Agenda 04/08/2025 Item #16D10 (Resolution - SHIP Local Housing Assistan Plan for FY 2025-2026, 2026-2027, & 2027-2028 with certification and Interlocal Agreement w/ the City of Naples)4/8/2025
Item # 16.D.10
ID# 2025-1085
Executive Summary
Recommendation to adopt by Resolution, the State Housing Initiatives Partnership Program Local Housing Assistance
Plan for Fiscal Years 2025-2026, 2026-2027, and 2027-2028, and authorize the Chairman to sign the associated
Resolution, Certification, and Interlocal Agreement with the City of Naples, authorize staff to submit to the Florida
Housing Finance Corporation and authorize the conversion of two (2) current time-limited grant-funded positions to
regular positions to continue support all housing programs. (SHIP Fund 1053)
OBJECTIVE: To enhance comprehensive affordable housing opportunities and advance the County’s strategic focus
on Community Development for very-low, low-, and moderate-income individuals through the State Housing Initiatives
Partnership (SHIP) Program.
CONSIDERATIONS: On July 7, 1992, the Florida legislature signed into law the Sadowski Affordable Housing Act to
provide funding to local jurisdictions through a documentary stamp tax on real estate transactions for the provision of
affordable housing. Through the Florida Housing Finance Corporation’s SHIP Program, Collier County and the City of
Naples receive funds to undertake eligible activities as provided by Section 420.9075, F.S. and Chapter 67-37.007,
F.A.C. These funds are for the provision of housing that is affordable to very low, low, and moderate-income residents
of the community.
Pursuant to Section 420.9075, Florida Statutes and Chapter 67-37.005(1), F.A.C., Collier County must adopt a Local
Housing Assistance Plan every three years and submit it to the grantor agency, Florida Housing Finance Corporation, to
continue receiving SHIP funds from the documentary surtax collections.
It is required that a minimum of 65% of SHIP funds be spent on homeownership activities and 75% on construction
activities. In addition, the program requires 30% of funds for those very- low-income and 30% for those who are low-
income. Florida statute also limits the amount of funds expended on rental activities to 25% and 20% on those activities
supporting manufactured housing. There are ten (10) strategies in the LHAP designed to meet the statutory
requirements and address community needs.
1. Purchase Assistance
2. Owner Occupied Rehabilitation
3. Emergency Housing repair & Housing Resilience
4. Demolition & Replacement Manufactured Housing
5. Disaster Mitigation Assistance
6. New Construction Assistance
7. Rental Rehabilitation
8. Rental Acquisition
9. Rental Development
10. Land Trust Acquisition and Development
On February 24, 2025, Community and Human Services (CHS) staff provided FHFC, as part of their courtesy review
process, a draft LHAP. All requested changes have been made and are incorporated into the attached document.
The draft LHAP has been provided to the Collier County Affordable Housing Advisory Committee (AHAC) on March
18, 2025. At their meeting, the AHAC voted unanimously to approve the document and the proposed strategies. The
Naples City Council reviewed and approved the document and interlocal agreement at its regular meeting on April 2,
2025.
The public comments period will end on April 22, 2025. As of the agenda's publication, no comments have been
received. If comments are received after publication of this item, the Board of County Commissioners (Board) will be
notified.
Following final approval and submission, the FHFC review committee will convene and subsequently provide feedback
to CHS on any recommended changes to the document. Any requested revisions to the LHAP beyond those deemed to
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4/8/2025
Item # 16.D.10
ID# 2025-1085
be immaterial and related to the organization of information within the documents as well as suggested changes for
adding clarity will not be brought back to the Board and City of Naples for consideration. However, any changes that
impact the implementation of the identified overall three-year plan, its strategies, or anticipated levels of assistance
provided for under those strategies will be brought back for consideration
Approval of this item will also authorize the Chairman to sign the Certification to Florida Housing Finance Corporation,
adopt the Resolution, and reaffirm the Interlocal Agreement with the City of Naples. Each document is an exhibit of the
Local Housing Assistance Plan.
Lastly, staff is seeking approval to convert two current grant-funded time-limited employees to regular full-time
employees to support the administration and monitoring of the housing programs. The administration of the SHIP
program and the compliance monitoring associated with approved affordable developments require permanent support.
Currently, there are over 2,000 homestead properties and 12,000 approved affordable units to be monitored along with
the administration of assistance to Collier County residents who benefit from the SHIP program. The below positions
are included in the conversion:
50038854 Supervisor - Grants
50038855 Management Analyst I
This item is consistent with the Collier County strategic plan objective to support comprehensive affordable housing
opportunities.
FISCAL IMPACT: Submission of the Local Housing Assistance Plan allows Collier County to be eligible to receive
SHIP funding. SHIP funds are deposited in SHIP Grant Fund 1053. The conversion of the two (2) positions will be
funded through the Affordable Housing Fund 1077, Project (50137), and will be supported by other housing programs
administered by the division that require monitoring activities.
GROWTH MANAGEMENT IMPACT: The SHIP Local Housing Assistance Plan facilitates efforts to meet the goals,
objectives, and policies set forth in the Housing Element of the Growth Management Plan.
LEGAL CONSIDERATIONS: This item has been reviewed by the County Attorney, is approved for form and legality
and requires a majority vote for Board action. -JAK
RECOMMENDATIONS: To adopt by Resolution, the State Housing Initiatives Partnership Program Local Housing
Assistance Plan for Fiscal Years 2025-2026, 2026-2027, and 2027-2028, and authorize the Chairman to sign the
associated Resolution, Certification, and Interlocal Agreement with the City of Naples, authorize staff to submit to the
Florida Housing Finance Corporation and authorize the conversion of two (2) current time-limited grant-funded
positions to regular positions to continue support all housing programs. (No Fiscal Impact SHIP Fund 1053)
PREPARED BY: Lisa N. Carr, Supervisor -Grants, Community and Human Services Division
ATTACHMENTS:
1. Collier County LHAP 2025-2028 LHAP Conditional Review - Final_
Page 2634 of 5277
FY 2025-2028 Date: April 22,2025,
Agenda Item 16.D 12
1
Collier County and the City of Naples
SHIP LOCAL HOUSING ASSISTANCE PLAN (LHAP)
2025-2026, 2026-2027, 2027-2028
Page 2635 of 5277
FY 2025-2028
Date: April 22,2025, Agenda Item 16.D
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Table of Contents
Description Page #
Section I, Program Details 3
Section II, Housing Strategies 7
A.Purchase Assistance 7
B.Owner-Occupied Rehabilitation 9
C.Emergency Housing Repair & Housing Resilience 11
D.Demolition and Replacement of Manufactured Housing 14
E.Disaster Assistance 17
F.New Construction Assistance 19
G. Rental Rehabilitation 21
H.Rental Acquisition 22
I. Rental Development 24
J.Community Land Trust Acquisition & Development 26
Section III, Incentive Strategies 28
A. Expedited Permitting 28
B.Ongoing Review Process 29
C.Other Incentive Strategies Adopted 29
Exhibits 30
A.Administrative Budget for each fiscal year covered in the Plan
B.Timeline for Estimated Encumbrance and Expenditure
C.Housing Delivery Goals Chart (HDGC) For Each Fiscal Year Covered in the plan
D.Signed LHAP Certification
E.Signed, dated, witnessed, or attested adopting resolution
F.Ordinance: (If changed from the original creating ordinance)
G.Interlocal Agreement
H.Short Sale Policy & Short Sale Application
I.Essential Personnel Certification
J.Subordination Policy & Subordination Request Form
K.Community Land Trust Acquisition & Development Instructions
Page 2636 of 5277
FY 2025-2028
Date: April 22,2025, Agenda Item 16.D
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Section I. Program Details:
A. LG(s)
Name of Local Government COLLIER COUNTY BOARD OF COUNTY COMMISSIONERS
Does this LHAP contain an interlocal
agreement?
Yes
If yes, name of other local government(s) City of Naples
B. Purpose of the program:
• To meet the housing needs of the very low, low, and moderate-income households;
• To expand production of and preserve affordable housing; and
• To further the housing element of the local government's comprehensive plan specific to
affordable housing.
C. Fiscal years covered by the Plan: 2025-2026, 2026-2027, 2027-2028
D. Governance: The SHIP Program is established in accordance with Section 420.907-9079, Florida
Statutes and Chapter 67-37, Florida Administrative Code. Cities and Counties must be in compliance
with these applicable statutes, rules, and any additional requirements as established through the
Legislative process.
E. Local Housing Partnership: The SHIP Program encourages building active partnerships between
government, lending institutions, builders and developers, not-for-profit and community-based
housing providers and service organizations, providers of professional services related to affordable
housing, advocates for low-income persons, real estate professionals, persons or entities that can
provide housing or support services, and lead agencies of the local continuums of care.
F. Leveraging: The Plan is intended to increase the availability of affordable residential units by
combining local resources and cost-saving measures into a local housing partnership and using
public and private funds to reduce the cost of housing. SHIP funds may be leveraged with or used to
supplement other Florida Housing Finance Corporation programs and to provide local match to
obtain federal housing grants or programs.
G. Public Input: Public input was solicited through face-to-face meetings with housing providers, social
service providers, local lenders, and neighborhood associations. Public input was solicited through
the local newspaper in the advertising of the Local Housing Assistance Plan and the Notice of
Funding Availability.
H. Advertising and Outreach: SHIP funding availability shall be advertised in a newspaper of general
circulation and periodicals serving ethnic and diverse neighborhoods, at least 30 days before the
beginning of the application period. If no funding is available due to a waiting list, no notice of
funding availability is required. For advertisements other than NOFAs, the County will accept
applications during the dates specified in the advertisement distributed via the County website,
email, or via the County procurement office.
I. Waiting List/Priorities: A waiting list will be established when there are eligible applicants for
strategies that no longer have funding available. Those households on the waiting list will be notified
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FY 2025-2028
Date: April 22,2025, Agenda Item 16.D
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of their status. Applicants will be maintained in an order that is consistent with the time completed
applications were submitted as well as any established funding priorities as described in this plan.
Applications will be accepted and approved on a first come, first-qualified basis with priority given to
households with a special needs occupant, or other priorities that may be deemed by the program
grantor, Florida Housing Finance Corporation.
When funds are available for a strategy, the applicants from the waiting list will be contacted to
complete/update the application for SHIP assistance. Applicants will be placed in the queue for
assistance once they have provided all required documentation and been deemed SHIP eligible.
Once there is a list of eligible applicants, they will be ranked in the following order. The following
priorities for funding listed here apply to all strategies unless otherwise stated in an individual
strategy in Section II:
RANKING PRIORITY
1. Special Needs Households –persons with special needs as defined in 420.0004 (13)
a) Very low
b) Low
c) Moderate
2. Essential Services Personnel
a) Very Low
b) Low
c) Moderate
3. After Special Needs Set-asides and after ESP applicants
a) Very Low
b) Low
c) Moderate
J. Discrimination: In accordance with the provisions of ss.760.20-760.37, it is unlawful to discriminate
on the basis of race, color, religion, sex, national origin, age, handicap, or marital status in the award
application process for eligible housing.
K. Support Services and Counseling: Support services are available from various sources. Available
support services may include but are not limited to: Homeownership Counseling (Pre and Post),
Credit Counseling, Tenant Counseling, and Foreclosure Counseling.
L. Purchase Price Limits: The sales price or value of new or existing eligible housing may not exceed
90 percent (90%) of the average area purchase price in the statistical area in which the eligible
housing is located. Such average area purchase price may be calculated for any 12-month period
beginning not earlier than the fourth calendar year prior to the year in which the award occurs. The
sales price of new and existing units can be lower but may not exceed 90 percent (90%) of the
average area purchase price established by the U.S. Treasury Department or as described above.
The methodology used is:
U.S. Treasury Department X
Local HFA Numbers
Page 2638 of 5277
FY 2025-2028
Date: April 22,2025, Agenda Item 16.D
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M. Income Limits, Rent Limits and Affordability: The Income and Rent Limits used in the SHIP Program
are updated annually by the Department of Housing and Urban Development and posted at
www.floridahousing.org.
“Affordable” means that monthly rents or mortgage payments including taxes and insurance do not
exceed 30 percent of that amount which represents the percentage of the median annual gross
income for the households as indicated in Sections 420.9071, F.S. However, it is not the intent to limit
an individual household’s ability to devote more than 30% of its income to housing, and housing for
which a household devotes more than 30% of its income shall be deemed Affordable if the first
institutional mortgage lender is satisfied that the household can afford mortgage payments in excess
of the 30% benchmark and in the case of rental housing does not exceed those rental limits adjusted
for bedroom size.
N. Welfare Transition Program: Should an eligible sponsor be used, a qualification system and
selection criteria for applications for Awards to eligible sponsors shall be developed, which includes
a description that demonstrates how eligible sponsors that employ personnel from the Welfare
Transition Program will be given preference in the selection process.
O. Monitoring and First Right of Refusal: In the case of rental housing, the staff and any entity that has
administrative authority for implementing the local housing assistance plan assisting rental
developments shall annually monitor and determine tenant eligibility or, to the extent another
governmental entity provides periodic monitoring and determination, a municipality, county, or
local housing financing authority may rely on such monitoring and determination of tenant
eligibility. However, any loan or grant in the original amount of $10,000 or less shall not be subject
to these annual monitoring and determination of tenant eligibility requirements. Tenant eligibility
will be monitored annually for no less than 30 years or the term of assistance whichever is longer
unless as specified above. Eligible sponsors that offer rental housing for sale before 30 years or that
have remaining mortgages funded under this program must give a first right of refusal to eligible
nonprofit organizations for purchase at the current market value for continued occupancy by eligible
persons.
P. Administrative Budget: A line-item budget is attached as Exhibit A. The city/county finds that the
moneys deposited in the local housing assistance trust fund is necessary to administer and
implement the local housing assistance plan.
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code, states: “A county
or an eligible municipality may not exceed the 5 percent limitation on administrative costs, unless its
governing body finds, by resolution, that 5 percent of the local housing distribution plus 5 percent of
program income is insufficient to adequately pay the necessary costs of administering the local
housing assistance plan.”
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code, further states:
“The cost of administering the program may not exceed 10 percent of the local housing distribution
plus 5 percent of program income deposited into the trust fund, except those small counties, as
defined in s. 120.52(19), and eligible municipalities receiving a local housing distribution of up to
$350,000 may use up to 10 percent of program income for administrative costs.” The applicable local
jurisdiction has adopted the above findings in the resolution attached as Exhibit E.
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FY 2025-2028
Date: April 22,2025, Agenda Item 16.D
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Q. Program Administration: Administration of the local housing assistance plan will be performed by:
Entity Duties Admin. Fee
Percentage
Local Government Collier County Government 10%
Third-Party Entity/Subrecipient
R. First-time Homebuyer Definition: For any strategies designed for first-time homebuyers, the
following definition will apply: An individual who has had no ownership in a principal residence
during the 3-year period ending on the date of purchase of the property. This includes a spouse (if
either meets the above test, they are considered first-time homebuyers). A single parent who has
only owned a home with a former spouse while married. An individual who is a displaced
homemaker and has only owned with a spouse. An individual who has only owned a principal
residence not permanently affixed to a permanent foundation in accordance with applicable
regulations. An individual who has only owned a property that was not in compliance with state,
local, or model building codes and which cannot be brought into compliance for less than the cost of
constructing a permanent structure.
S. Project Delivery Costs: Project Delivery: In addition to the administrative costs listed above, the
County or Sponsor will charge a project delivery fee of no more than 5 percent (5%) to cover
inspections and other eligible project delivery activities performed by County or non-county
employees. This fee will be included in the maximum award to the applicant.
For Owner-Occupied Rehabilitation, Demolition, and Replacement of Manufactured Homes and
Emergency Housing Repair & Housing Resilience, project delivery costs may cover, but are not
limited to, the following activities: inspections, work write-ups, recording fees, application and
processing fees, development of assessments, and cost estimates. The project delivery fee is a flat
fee fixed price and is not attributable towards a Sponsor’s employee’s salary time and does not
require additional documentation to support payment.
T. Essential Service Personnel Definition (ESP): Collier County defines Essential Service Personnel as
follows: Those individuals employed in the community as teachers, educators, other school district
employees, community college and university employees, police and fire personnel, health care
personnel, skilled building trades personnel, and government employees.
U. Describe efforts to incorporate Green Building and Energy Saving products and processes: The
County will, when economically feasible, employ the following Green Building requirements on
rehabilitation and emergency repairs:
All housing rehabilitation and new construction will incorporate “green” standards including but not
limited to:
• Appliances replaced or installed shall be Energy Star.
• Doors and/or windows replaced or installed shall be Energy Star;
• Any lighting fixture replaced or installed shall be Energy Star;
• Weatherization shall be incorporated into all homes rehabilitated including but not limited
to weatherization of the attic; floor insulation, if appropriate; and sealing of exterior walls.
New construction is presumed to meet the minimum insulation and sealing requirements.
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FY 2025-2028
Date: April 22,2025, Agenda Item 16.D
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Any replaced or new HVAC unit shall have a SEER rating of at least 14.
These requirements may be adjusted for rental developments if the requirement of other
construction funding sources requires a more prescriptive list.
Innovative design, green building principles, storm-resistant construction, or other elements that
reduce long-term costs relating to maintenance, utilities, or insurance may be encouraged.
Homeownership Education classes provide a curriculum on cost-cutting measures that homeowners
can use to reduce energy consumption. Collier County also encourages the use or inclusion, when
appropriate, of the following: energy star appliances; Low-E windows; additional insulation (for
increased R-Value); ceramic tile; tank-less water heater; 14 and 15 SEER air conditioning units;
stucco; LED light bulbs; impact resistant windows and doors.
V. Describe efforts to meet the 20% Special Needs set-aside: Prioritization of funding will include all
strategies for persons with special needs, with an emphasis on rental programs and rehabilitation.
Outreach for clients will include marketing to a variety of agencies, including but not limited to, the
Agency for Persons with Disabilities, United Cerebral Palsy, Community Assisted and Supported
Living, etc. Additionally, advertisements in publications of general circulation may also be used.
W. Describe efforts to reduce homelessness: Collier County supports the Continuum of Care (CoC)
efforts to simplify and broaden outreach and assessment for homeless persons in the County. Much
of the outreach to homeless persons is conducted at community events such as the Point in Time
Count. Additionally, outreach is conducted by the many caseworkers at community agencies, the SW
Florida Coalition on Homelessness, schools, and other not-for-profit social service entities that
encounter the homeless during service delivery or during their regular course of business. Needs are
assessed during these points of contact, and referrals are made as appropriate for shelter, food,
counseling, or other needs. The County works closely with various agencies and local resources
utilizing federal ESG and State SHIP funds.
Section II. LHAP Strategies:
A. Purchase Assistance without Rehabilitation Code 2
a. Summary: SHIP funds will be awarded to first-time homebuyers for down payment and closing
costs to purchase a newly constructed or an existing single-family home, manufactured home,
or condominium.
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award: Very Low: $110,000 ESP, $100,000 non-ESP
Low: $ 90,000 ESP, $ 80,000 non-ESP
Moderate: $ 80,000 ESP, $ 70,000 non-ESP
Page 2641 of 5277
FY 2025-2028
Date: April 22,2025, Agenda Item 16.D
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e. Terms:
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment loan
secured by a recorded subordinate mortgage and promissory note.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Forgiveness: If all conditions have been met, the loan is forgiven entirely at the end of the
30-year term. In cases where the qualifying homeowner(s) die(s) during the loan term, the
loan will be forgiven.
5. Repayment: Monthly payments are not required
6. Default: The loan will be determined to be in default if any of the following occurs during
the Loan term: sale, transfer, or conveyance of property; conversion to rental property; or
failure to occupy the home as primary residence. If any of these occur, the outstanding
balance will be due and payable. Persons that qualify for SHIP assistance will be required to
contractually agree to all SHIP program guidelines, County SHIP mortgage requirements, and
repayment provisions, and certify that the unit assisted will be their primary residence.
In addition to the above, the loan may be determined to be in default if any of the following occurs:
i. Sale: if proceeds are not enough to pay off the promissory note then the
homeowner may contact the County Regarding a settlement amount of the SHIP
loan that is outlined in the County’s “Short Sale Policy”.
ii. Title transfer: either voluntary or by operation of law, divested of title by judicial
sale, levy, or other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance: may be allowed in accordance with the published “Subordination Policy”.
iv. Home is no longer primary residence, abandoned, leased, or rented.
The County reserves the right to foreclose if the homeowner does not repay the loan as noted above.
If the home is foreclosed on by a superior mortgage holder, the County may try to recapture funds
through the legal process if it is determined that adequate funds may be available to justify pursuing a
recapture.
f. Recipient Selection Criteria: Applicants will be ranked for assistance based on a first-qualified,
first-served basis with the priorities for Special Needs, Essential Services Personnel, and income
groups as described in Section I, Program Details, of this plan.
g. Sponsor Selection Criteria: N/A
h. Additional Information: Applicants must secure a first mortgage from a licensed mortgage
lender.
Other requirements:
1. Manufactured homes constructed after June 1994 are considered eligible housing pursuant
to Section 420.9071 (9), Florida Statute.
2. First mortgage must be at a fixed rate; no ARMs, prepayment penalty, negative
amortizations, balloon loans, owner financing, or other non-affordable loan terms are
allowed.
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Date: April 22,2025, Agenda Item 16.D
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3. A newly constructed home must have received a Certificate of Occupancy within the twelve
months prior to purchase. A manufactured home must be in place with all Declaration and
Covenant site requirements t (carport, Shead, skirting, etc.), if applicable, and a valid
certificate of occupancy. Funding, which is provided as a subordinate mortgage loan, may be
used for down payment, closing costs, and principal buy-down as needed for affordable
home ownership.
4. Refinance may be allowed in accordance with the published “Subordination Policy”.
5. An applicant may submit a completed application for housing assistance to the County for a
determination of eligibility at any time. Applicants are required to provide all
documentation requested for income, eligibility, and qualification determination.
6. Funds will be reserved and awarded to applicants who have met all the County
requirements, are SHIP Income Certified, and have a mortgage loan pre-approval from a
participating Lender prior to applying.
7. Applicants must attend a HUD-approved Homebuyer Education Program and provide a copy
of the certificate to the Division prior to closing on a home. The certificate must be dated
within 12 months of the income certification date.
8. Verification of US Citizenship or Permanent Residency Status: All borrowers must submit
one of the following: U.S. Passport, Birth Certificate, naturalization, and/or permanent
residence card.
9. Asset Cap or Liquid Assets: All applicants will be limited to a cash or liquid asset of
$30,000.00 at the time of closing. However, the Board of County Commissioners will have
the authority to suspend the asset cap/liquid assets in determining income qualifications
during recovery from a declared disaster.
B. Owner-Occupied Rehabilitation Code 3
a. Summary: SHIP funds will be awarded to households needing repairs to correct code violations,
health, and safety issues, electrical, plumbing, roofing, windows, other structural items, and
relocation, if necessary. Assistance may include costs related to all eligible repairs, inspections,
work write-ups, recording fees, and project delivery fees.
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award: $75,000
e. Terms:
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment loan
secured by a recorded subordinate mortgage and promissory note or, if the unit is on leased
land, a security instrument in accordance with the Florida Department of Motor Vehicles
Title will be recorded.
2. Interest Rate: 0%
3. Years in loan term: 15 years
4. Forgiveness: If all conditions of the loan agreement are met, one-third of the loan will be
forgiven in five-year increments so that at the end of the fifteenth (15) year the loan is fully
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Date: April 22,2025, Agenda Item 16.D
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forgiven. In cases where the qualifying homeowner(s) die(s) during the loan term, the loan
will be forgiven.
5. Repayment: Monthly payments are not required.
6. Default: The loan will be determined to be in default if any of the following occurs during
the Loan term: sale, transfer, or conveyance of property; conversion to rental property; or
failure to occupy the home as primary residence. If any of these occur, the outstanding
balance will be due and payable. Persons that qualify for SHIP assistance will be required to
contractually agree to all SHIP program guidelines, County SHIP mortgage requirements, and
repayment provisions, and certify that the unit assisted will be their primary residence.
In addition to the above, repayment of the loan is required in full when one of the following
conditions is met, whichever occurs first:
i. Sale: if proceeds are not enough to pay off the promissory note, then the
homeowner may contact the County regarding a settlement amount of the SHIP
loan that is outlined in the County’s “Short Sale Policy”.
ii. Title transfer: either voluntary or by operation of law, divested of title by judicial
sale, levy, or other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance: may be allowed in accordance with the published “Subordination Policy”.
iv. Home is no longer primary residence, abandoned, leased, or rented.
The County reserves the right to foreclose if the homeowner does not repay the loan as noted
above.
If the home is foreclosed on by a superior mortgage holder, the county may attempt to
recapture funds through the legal process if is determined that adequate funds may be available
to justify pursuing a repayment.
f. Recipient Selection Criteria: Applicants will be ranked for assistance based on a first-qualified,
first-served basis with the priorities for Special Needs, Essential Services Personnel, and income
groups as described in Section I, Program Details, of this plan.
An applicant may submit a completed application for SHIP Owner-Occupied Rehabilitation to the
County/Sponsor for determination of eligibility at any time. Applicants are required to provide
all documentation requested for income, eligibility, and qualification determination. Applicants
will receive a pre-approval letter and their file will be submitted to the Sponsor for unit
eligibility.
1. Must provide proof of homeowner’s insurance or attestation of no insurance.
2. Property taxes must be current at the time of application and closing.
3. If applicable, must file a claim for and use proceeds from insurance and/or FEMA as the first
option.
4. Where the unit and land are owned by the same person, the unit assisted must be owner-
occupied and, have applied for, or already be homesteaded as the primary residence.
Owner-occupied manufactured homeowners renting their lot may also apply for assistance.
5. Verification of US Citizenship or Permanent Residency Status: All borrowers must submit
one of the following: U.S. Passport, Birth Certificate, naturalization, and or permanent
residence card.
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Date: April 22,2025, Agenda Item 16.D
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6. Asset Cap or Liquid Assets: All applicants will be limited to a cash or liquid asset of
$30,000.00 upon completion, and rehabilitation assistance. However, the Board of County
Commissioners will have the authority to suspend the asset cap/liquid assets in determining
income qualifications during recovery from a declared disaster.
7. Primary Residence: Documentation used for verification of primary residence includes, but
is not limited to: homestead exemption, utility bill(s), or driver’s license.
g. Sponsor Selection Criteria: The County will issue a notice of Grant Application for SHIP funding
for Owner Occupied Repair assistance from non-profit/for-profit organizations.
Sponsor organizations must apply and provide any related information, specified by the SHIP
Administrator, to be used for evaluation of sponsor eligibility.
CHS staff will evaluate each application submitted. In the initial phase, staff will review the
application for general conformance with the submission requirements. The evaluation phase
will consist of an in-depth review of the following:
• Compliance with SHIP regulations
• Project risk analysis
• Financial risk analysis
• Capacity and experience
• Project feasibility
• Adherence to SHIP eligibilities/requirements
• Past performance evaluation
h. Additional Information: Manufactured homes will only be eligible for housing assistance if
owner occupied, is affixed to the ground, the land is (a) owned and homesteaded by the
occupant or (b) leased/rented by the homeowner. Manufactured homes constructed after June
1994 are considered eligible housing pursuant to Section 420.9071 (9), Florida Statute. The
repairs must not exceed 90% of the value of the existing property and residence, and all repairs
are within existing codes for the property. For an owner-occupied mobile or manufactured
home on land that is leased, a State of Florida Vehicle Certificate of Title will list Collier County
Board of County Commissioners on the title as the security interest in the unit.
Homeowner award may include up to $75,000 for rehabilitation expenses, up to 5% project
delivery cost, and up to $15,000 for relocation expenses if necessary
Homeowners may receive additional Rehabilitation funding provided it has been at least three
(3) years since the last rehabilitation. Disaster-related funding is exempt from this restriction.
C. Emergency Housing Repair & Housing Resilience Code 6
a. Summary: SHIP funds will be awarded to owner-occupied households in need of rehabilitation,
and/or repair of their home related to a dire situation that needs to be mitigated immediately.
Eligible rehabilitation and repair are:
• Remediation of an immediate health hazard to the occupants;
• Elimination of a developing threat to the dwelling or infrastructure;
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• Structural elevation, rehabilitation, impact windows, doors, and/or waterproofing of
the structure or critical components to comply with the local housing code and with
Chapter 553. F.S and;
• Improving the home’s resilience to the impact of a future disaster.
SHIP funds may be awarded to applicants requiring emergency power generator
installation if 1) A member of the household meets the Special Needs set-aside criterion;
and 2) A written statement from a healthcare provider indicating that electricity is a bona
fide medical necessity.
Proof of insurance claim must be submitted, if applicable. SHIP funds may also be awarded
to pay the Homeowner’s Insurance Policy and/or Flood Insurance Policy for one year, if no
insurance is in place at the time of the award. Homeowner’s insurance and Flood insurance
is a grant with no recapture terms.
SHIP funds may be used to assist with the payment of relocation and storage/moving costs
associated with the rehabilitation of the residence.
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
c. Income Categories to be served: Very Low, and Low
d. Maximum award: $100,000
e. Terms:
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment loan
secured by a recorded subordinate mortgage and promissory note.
2. Interest Rate: 0%
3. Years in loan term: 15 years
4. Forgiveness: If all conditions of the loan agreement are met, one-third of the loan will be
forgiven in five-year increments so that at the end of the fifteenth (15) year the loan is fully
forgiven. In cases where the qualifying homeowner(s) die(s) during the loan term, the loan
will be forgiven.
5. Repayment: Monthly payments are not required.
6. Default: The loan will be determined to be in default if any of the following occurs during
the Loan term: sale, transfer, or conveyance of property; conversion to rental property; or
failure to occupy the home as primary residence. If any of these occur, the outstanding
balance will be due and payable. Persons that qualify for SHIP assistance will be required to
contractually agree to all SHIP program guidelines, County SHIP mortgage requirements, and
repayment provisions, and certify that the unit assisted will be their primary residence.
In addition to the above, repayment of the outstanding balance is required in full when one of
the following conditions is met, whichever occurs first:
i. Sale: if proceeds are not enough to pay off the promissory note, then the
homeowner may contact the County regarding a settlement amount of the SHIP
loan that is outlined in the County’s “Short Sale Policy”.
ii. Title transfer: either voluntary or by operation of law, divested of title by judicial
sale, levy, or other proceedings, including foreclosure or Deed in Lieu.
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iii. Refinance: may be allowed in accordance with the published “Subordination Policy”.
iv. Home is no longer primary residence, abandoned, leased, or rented.
The County reserves the right to foreclose if the homeowner does not repay the loan as noted
above.
If the home is foreclosed on by a superior mortgage holder, the county may attempt to
recapture funds through the legal process if is determined that adequate funds may be available
to justify pursuing a repayment.
f. Recipient Selection Criteria: Applicants will be ranked for assistance based on a first-qualified,
first-served basis with the priorities for Special Needs, Essential Services Personnel, and income
groups as described in Section I, Program Details, of this plan.
An applicant may submit a completed application for SHIP Emergency Housing Repair and
Resilience to the County/Sponsor for determination of eligibility at any time. Applicants are
required to provide all documentation requested for income, eligibility, and qualification
determination. Applicants will receive a pre-approval letter and their file will be submitted to
the Sponsor for unit eligibility.
1. Must provide proof of homeowner’s insurance or attestation of no insurance.
2. Property taxes must be current at the time of application and closing. Delinquent property
taxes are a basis for denial.
3. If applicable, must file a claim for and use proceeds from insurance and/or FEMA as the first
option. If applicable.
4. Where the unit and land are owned by the same person, the unit assisted must be owner-
occupied and have applied for, or already be homesteaded as, the primary residence.
Owner-occupied manufactured homeowners renting their lot may also apply for assistance.
5. Verification of US Citizenship or Permanent Residency Status: All borrowers must submit
one of the following: U.S. Passport, Birth Certificate, naturalization, and/or permanent
residence card.
6. Asset Cap or Liquid Assets: All applicants will be limited to a cash or liquid asset of
$30,000.00 at the time of qualification. . However, the Board of County Commissioners will
have the authority to suspend the asset cap/liquid assets in determining income
qualifications during recovery from a declared disaster.
7. Primary Residence: Documentation used for verification of primary residence includes, but
is not limited to: homestead exemption, utility bill(s), or driver’s license.
g. Sponsor Selection Criteria: The County will issue a notice of Grant Application for SHIP funding
for Emergency Housing Repair and Resilience assistance from non-profit/for-profit
organizations.
Sponsor organizations must apply and provide any related information, specified by the SHIP
Administrator, to be used for evaluation of sponsor eligibility.
CHS staff will evaluate each application submitted. In the initial phase, staff will review the
application for general conformance with the submission requirements. The evaluation phase
will consist of an in-depth review of the following:
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• Compliance with SHIP regulations
• Project risk analysis
• Financial risk analysis
• Capacity and experience
• Project feasibility
• Adherence to SHIP eligibilities/requirements
• Past performance evaluation
h. Additional Information: Manufactured homes will be eligible for housing assistance only if the
home is owner-occupied, is affixed to the ground, and the land is (a) owned and homesteaded
by the occupant or (b) leased/rented by the homeowner. Manufactured homes constructed
after June 1994 are considered eligible housing pursuant to Section 420.9071 (9), Florida
Statute. The repairs must not exceed 90% of the value of the existing property and residence,
and all repairs are within existing codes for the property. For an owner-occupied mobile or
manufactured home on land that is leased, a State of Florida Vehicle Certificate of Title will list
Collier County Board of County Commissioners on the title as the security interest in the unit.
Homeowners may receive up to $100,000 for rehabilitation expenses, up to 5% project delivery
cost, and up to $15,000 for relocation, if necessary, and storage/moving expenses if necessary.
Homeowners may receive additional Rehabilitation funding provided it has been at least three
(3) years since the last rehabilitation. Disaster-related funding is exempt from this restriction.
D. Demolition and Replacement of Manufactured Housing Code 4
a. Summary: SHIP funds will be awarded to homeowners in need of demolition and replacement of
manufactured housing. This strategy will be used in place of rehabilitation when costs to repair
the home are determined to exceed 51% of the home’s value, as determined by the Collier
County Property Appraiser office or the structure must be certified by the SHIP inspector as not
suitable for rehabilitation. The goal is to prevent the imminent displacement of homeowners due
to distressed conditions, encourage revitalization, and increase the supply of safe, decent, and
sanitary housing. Awards made under this strategy will not exceed 20% of the County’s
allocation.
i. The property site must be suitable for demolition/replacement. Loans for assistance may
include costs related to all eligible demolition activities, debris removal, permits,
transportation, installation, inspections by the sponsor, work write-ups, sales tax, recording
fees, and project delivery fees.
ii. Costs may include a one-time annual premium payment of a Homeowner’s insurance
and/or Flood Insurance Policy for homeowners not covered under an insurance policy at
the time of home replacement.
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
c. Income Categories to be served: Very low, low, and moderate
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d. Maximum award: $200,000.
e. Terms:
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment loan
secured by a recorded subordinate mortgage and note, or if the unit is on leased land, a
security instrument in accordance with the Florida Department of Motor Vehicles will be
recorded.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Forgiveness: If all conditions of the loan are met, one-third of the loan will be forgiven in
ten-year increments so that at the end of the thirtieth year the loan is forgiven. In cases
where the qualifying homeowner(s) die(s) during the loan term, the loan will be forgiven.
5. Repayment: Monthly payments are not required.
6. Default: The loan will be determined to be in default if any of the following occurs during
the Loan term: sale, transfer, or conveyance of property; conversion to rental property; or
failure to occupy the home as primary residence. If any of these occur, the outstanding
balance will be due and payable. Persons who qualify for SHIP assistance will be required to
contractually agree to all SHIP program guidelines, County SHIP mortgage requirements, and
repayment provisions, and certify that the unit assisted will be their primary residence.
In addition to the above, the loan will be determined to be in default if any of the following
occurs during the Loan term:
i. Sale: if proceeds are not enough to pay off the promissory note then the property
owner may contact the County regarding a settlement amount of the SHIP loan in
accordance with the “Short Sale Policy”.
ii. Title transfer: either voluntary or by operation of law, divested of title by judicial
sale, levy, or other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance: may be allowed in accordance with the published “Subordination Policy”.
iv. Home is no longer primary residence, abandoned, leased, or rented.
The County reserves the right to foreclose if the homeowner does not repay the loan as noted
above.
If the home is foreclosed on by a superior mortgage holder, the county may attempt to
recapture funds through the legal process if is determined that adequate funds may be available
to justify pursuing a repayment.
f. Recipient Selection Criteria: Applicants will be ranked for assistance based on a first-qualified,
first-served basis with the priorities for Special Needs, Essential Services Personnel, and income
groups as described in Section I, Program Details, of this plan.
g. Sponsor Selection Criteria: The County will issue a Request for Proposals for SHIP funding for
demolition and replacement of manufactured housing from non-profit/for-profit organizations.
Sponsor organizations must submit a proposal and provide any related information, specified by
the SHIP Administrator, to be used for evaluation of sponsor eligibility.
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CHS staff will evaluate each application submitted. In the initial phase, staff will review the
application for general conformance with the submission requirements. The evaluation phase
will consist of an in-depth review of the following:
• Compliance with SHIP regulations
• Project risk analysis
• Financial risk analysis
• Capacity and experience
• Project feasibility
• Adherence to SHIP eligibilities/requirements
• Past performance evaluation
h. Additional Information:
An applicant shall submit a completed application for Demolition and Replacement Housing
assistance to the County for a determination of eligibility at any time. Applicants are required to
provide all documentation requested for income, eligibility, and qualification determination.
1. For manufactured homes not located on leased or rental land, ownership must be a fee
simple estate at the time of closing with the name of the applicants on the title.
2. Property taxes must be current at the time of application and closing. Delinquent property
taxes are a basis for denial.
3. The value after replacement may not exceed the SHIP maximum allowable purchase price
for existing homes.
4. The replacement housing shall be consistent with the replacement housing shall be
consistent for the family household size and meet all requirements of the management or
association covenants or bylaws. The homeowner may choose the most suitable
replacement housing to meet their needs.
5. The existing home must be damaged or in disrepair to the extent that the home is
condemned by Collier County Growth Management Community Development Department,
the Department of Health, or the County’s third-party inspector/general contractor.
6. Must provide proof of homeowner’s insurance or attestation of no insurance.
7. If applicable, must file a claim for and use proceeds from insurance as the first option.
8. If applicable, must complete an FHFC-approved “Disaster Self-Declaration of Income” form,
if this strategy is used during a declared disaster.
9. Where the unit and land are owned by the same person, the unit assisted must be owner-
occupied and have applied for, or already be homesteaded as the primary residence.
Owner-occupied manufactured homeowners renting their lot may also apply for assistance.
10. Verification of US Citizenship or Permanent Residency Status: All borrowers must submit
one of the following: U.S. Passport, Birth Certificate, naturalization, and or permanent
residence card.
11. Asset Cap or Liquid Assets: All applicants will be limited to a cash or liquid asset of
$30,000.00 upon completion of the demolition and replacement assistance. This asset cap
applies to all SHIP strategies. However, the Board of County Commissioners will have the
authority to suspend the asset cap/liquid assets in determining income qualifications during
recovery from a declared disaster.
12. Primary Residence: Documentation used for verification of primary residence includes, but
is not limited to homestead exemption, utility bill(s), or driver’s license.
13. Homeowner may receive up to $200,000 for construction, 5% for project delivery, and up to
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$15,000 for relocation/moving/storage expenses, and $10,000 for Homeowners’ and/or
flood insurance if necessary
Additional SHIP funds can be used to bring building site and improvements up to Local, State,
and Federal requirements, Homeowner’s Association by-laws, and/or to adequately replace the
amenities of the existing home. These additional site improvement costs may include, but are
not limited to geotechnical surveys, engineering, concrete pilings/piers, septic system
improvements, fill, sod, driveways, storage sheds, and any other requirements as noted above.
E. Disaster Assistance Codes 5 & 16
a. Summary: Disaster Assistance aids households in incorporated or unincorporated Collier County
in the aftermath of a disaster as declared by the President of the United States or Governor of the
State of Florida, to include households that were displaced or financially impacted in another
disaster-affected area and then relocated to Collier County after the disaster event. This strategy
will only be funded and implemented in the event of a disaster using any funds that have not yet
been encumbered or with additional disaster funds allocated by the Florida Housing Finance
Corporation. SHIP disaster funds may be used for items such as, but not limited to:
1. Purchase of emergency supplies for eligible households to weatherproof damaged homes.
2. Interim repairs to avoid further damage; tree and debris removal required to make the
individual housing unit habitable.
3. Construction of wells and septic or repair of existing wells and septic systems where public
water and/or sewer are not available.
4. Payment of insurance deductibles for rehabilitation of homes covered under homeowners’
insurance policies.
5. Security deposit and additional move-in deposits or fees listed in a lease for eligible recipients
who have been displaced from their homes due to a disaster or have experienced a financial
impact directly related to the storm.
6. Temporary Rental and/or relocation assistance for eligible recipients who have been
displaced from their homes due to a disaster or have experienced a financial impact directly
related to the storm.
7. Temporary Rental and/or relocation assistance for households with a mortgage that have
been displaced due to the disaster while their home is being repaired. This may be in Collier
County or outside Collier County due to limited availability post-disaster.
8. Temporary mortgage payments and utility payments for homesteaded homeowners directly
financially impacted by a disaster.
9. Foreclosure prevention services and housing counseling.
10. Relocation and moving expenses, if necessary.
11. One-time full premium payment of a Homeowner’s and/or Flood Insurance Policy for
homeowners not covered under an insurance policy at the time of a disaster.
12. Hotel or Motel or short-term Rental (VRBO/Airbnb payments for up to 90 days) for recipients
displaced and in need of temporary housing until their home and/or rental unit is repaired OR
a new unit is secured (Daily lodging rates will be pursuant to U.S General Services
Administration (GSA) published rates at the time of the Disaster). This may be provided in
Collier County or outside due to limited availability post-disaster.
13. Strategies included in the approved LHAP that benefit applicants directly affected by the
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declared disaster. Below see reference f.3. for disaster income “Disaster Self-Declaration of
Income” requirements.
14. Other activities as proposed by the county and approved by Florida Housing Finance
Corporation.
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
c. Income Categories to be Served: Very low, low, and moderate
d. Maximum award: $20,000
e. Terms:
1. Grant: Funds will be awarded as a grant with no recapture terms. The terms of an award
under other strategies, if used in conjunction, will apply to the other strategies.
2. Interest Rate: N/A
3. Years in loan term: N/A
4. Forgiveness: N/A
5. Default: N/A
f. Recipient Selection Criteria: Applicants will be assisted on a first-qualified, first-served basis
with the following additional requirements:
1. Must provide proof of homeowner’s insurance or attestation of no insurance, if applicable.
2. If applicable, homeowners must file a claim for and use proceeds from insurance and/or
FEMA as the first option.
3. Must complete an FHFC-approved “Disaster Self-Declaration of Income” form, if applicable.
Where the unit and land are owned by the same person, the unit assisted must be owner-
occupied and, have applied for, or already be homesteaded as the primary residence.
Owner-occupied manufactured homeowners renting their lot may also apply for assistance.
4. Verification of US Citizenship, Permanent Residency Status or qualified non-citizens as
aligned with FEMA. All borrowers must submit one of the following: U.S. Passport, U.S. Birth
Certificate, U.S. naturalization document, permanent resident card or proof of immigration
status.
5. Primary Residence: Documentation used for verification of primary residence includes, but
is not limited to lease, paystubs, homestead exemption, utility bill(s), or driver’s license.
g. Sponsor Selection Criteria: N/A.
h. Additional Information: Residents using this strategy during a disaster are required to submit
lease agreements, mortgage statements, past due notices if impacted by a disaster or proper
invoices and receipts as applicable for each approved disaster activity above. Mortgage, Rent,
Utility, and Counseling payments will be made directly to a landlord, financial institution, utility
Page 2652 of 5277
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company or contracted community partner. Reimbursement for other Disaster Assistance
expenses will require invoices and paid receipts, proof of insurance deductible, and proof of
FEMA funds, as appropriate. Payments will be made to the service provider, community partner,
or resident. Manufactured homes constructed after June 1994 are considered eligible housing
pursuant to Section 420.9071 (9), Florida Statute. Residents will need to provide documentation
to demonstrate a relationship and direct impact to the declared disaster, such as an approved
FEMA letter, building permits, proof of loss of property, and/or loss of income
The County reserves the right to inspect for compliance prior to reimbursement.
F. New Construction Assistance Code 10
a. Summary: SHIP funds may be provided to organizations to be used for costs including, but not
limited to, land acquisition, infrastructure, landscape and development costs, and all associated
fees and permits for single-family housing for resale to eligible home buyers in incorporated or
unincorporated Collier County. The units may be constructed on infill lots or as a part of a
larger development. The funds awarded to the Sponsor will be passed through to the eligible
buyer as down payment assistance.
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award (per unit for Sponsor and buyer): $100,000/unit
e. Terms: - For the Sponsor:
1. Repayment loan/grant: Deferred Loan secured by a note and mortgage.
2. Interest Rate: 0%
3. Years in loan term for Sponsor: 18 months
4. Forgiveness: The Sponsor’s obligation is forgiven upon the successful sale of the unit to an
eligible homebuyer with the benefit being passed to the buyer in the form of a reduced
sales price or a seller’s credit.
5. Repayment: No monthly payments are required.
6. Default: If the property has not been successfully sold to an income-qualified buyer within
18 months of the date the mortgage and promissory note are entered into, the entire
amount is due and payable to the County.
Terms - For the Eligible Homebuyer:
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment loan
secured by a recorded subordinate mortgage and promissory note.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Forgiveness: If all conditions of the loan are met, then the loan is forgiven after 30 years. In
cases where the qualifying homeowner(s) die(s) during the loan term, the loan will be
forgiven.
5. Repayments: No monthly payments are required.
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6. Default: The loan will be determined to be in default and due and payable if any of the
following occurs during the Loan term: sale, transfer, or conveyance of property; conversion
to rental property; or failure to occupy the home as a primary residence. If any of these
occur, the outstanding balance will be due and payable. Persons who qualify for SHIP
assistance will be required to contractually agree to all SHIP program guidelines, County
SHIP mortgage requirements, and repayment provisions, and certify that the unit assisted
will be their primary residence.
In addition to the above, the loan may be determined to be in default if any of the following
occurs:
i. Sale: if proceeds are not enough to pay off the mortgage note then the homeowner
may contact the County Regarding a settlement amount of the SHIP loan in
accordance with the “Short Sale Policy”.
ii. Title transfer: either voluntary or by operation of law, divested of title by judicial
sale, levy or other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance: may be allowed in accordance with the published “Subordination Policy”.
iv. Home is no longer primary residence, abandoned, leased, or rented.
The county reserves the right to foreclose if the homeowner does not repay the loan as noted
above. If the home is foreclosed on by a superior mortgage holder, the county may attempt to
recapture funds through the legal process if is determined that adequate funds may be available
to justify pursuing a repayment.
f. Home Buyer Selection Criteria- Sponsor shall identify applicants and provide the Application
intake and income certification of households applying for Construction Assistance, as specified
in their agreement with the County.
Applicants will be ranked for assistance based on a first-qualified, first-served basis with the
priorities for Special Needs, Essential Service Personnel and income group as described in
Section I.
1. Applicants must complete a HUD approved Homebuyer Education Program and provide a
copy of the certification to the Sponsor prior to closing on a property. The certificate must
be dated prior to the SHIP award date and be good through closing.
2. Verification of US Citizenship or Permanent Residency Status: All borrowers must submit
one of the following: U.S. Passport, Birth Certificate, naturalization, and or permanent
residence card.
3. Asset Cap or Liquid Assets: All beneficiaries will be limited to a cash or liquid asset of
$30,000.00 upon completion of their new construction assistance. However, the Board of
County Commissioners will have the authority to suspend the asset cap/liquid assets in
determining income qualifications during recovery from a declared disaster.
g. Sponsor Selection Criteria – The County will issue a notice of an ongoing Application for
Construction Assistance from non-profit/for-profit organizations.
Sponsor organizations must apply and provide any related information, specified by the SHIP
Administrator, to be used for evaluation of sponsor eligibility.
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CHS staff will evaluate each application submitted. In the initial phase, staff will review the
application for general conformance with the submission requirements. The evaluation phase
will consist of an in-depth review of the following:
• Compliance with SHIP regulations
• Project risk analysis
• Financial risk analysis
• Capacity and experience
• Project feasibility
• Adherence to SHIP eligibilities/requirements
• Past performance evaluation
h. Additional Information: N/A
G. Rental Rehabilitation Code 14
a. Summary: The program is designed to rehabilitate rental units in Collier County. Loans will be
given to non-profit/for-profit housing landlords/owners who have site control and/or
ownership of the properties to rehabilitate existing single-family, multifamily, or
mobile/manufactured rental units on scattered sites or a rental complex. Assistance may be
provided for large projects involving the repair of multiple rental units.
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award: $300,000-Single-Family -1 to 4 dwelling units, $75,000 per unit
$1,000,000-Multi-Family-5 or more dwelling units, $50,000 per unit
• 1-4 units assisted: 1 special needs, 1 Very Low-income person
• 5-10 units assisted: 2 special needs, 3 very low income and 2 low income
• 11-20 units assisted: 3 special needs, 4 very low, 3 low income
• 20 or more units assisted: 4 special needs, 6 very low income and 5 low income
e. Terms:
1. Repayment loan/deferred loan/grant: Funds will be made available by loans secured by a
subordinate mortgage, promissory note, and a land use restriction agreement placed on the
property being rehabilitated.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Repayment: Monthly payments are not required.
5. Forgiveness: If all conditions of the loan are met the loan is forgiven at the end of the 30th
year.
6. Default: Loan default will be triggered by any of the following actions:
i. Sale - if proceeds are not enough to pay off the mortgage note then the property
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owner (not-for-profit or for-profit or landlord) may contact the county regarding a
settlement amount of the SHIP loan.
ii. Title transfer - either voluntary or by operation of law, divested of title by judicial
sale, levy, or other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance - a refinance of the first mortgage may be approved without repayment if
the request is submitted in writing and the refinance is at a lower fixed rate and/or
term with no cash-out.
iv. Change in use - Property no longer serves the intended population.
f. Recapture: Eligible Sponsors that offer rental housing for sale before the end of the 30-year
term must give First Right of Refusal to other eligible nonprofit sponsors for purchase per
Section 420.9075(5)(i) Florida Statutes.
g. Tenant Selection Criteria: Units receiving assistance must be reserved on a first-qualified, first-
served basis for income-eligible residents. Sponsor will be required to assist the minimum
number of special need, low and very low-income persons in accordance with the table in
section d-. Maximum award.
h. Sponsor Selection Criteria: Non-profit/for-profit housing sponsors or landlords will be evaluated
using established evaluation and selection criteria.
CHS staff will evaluate each application submitted. In the initial phase, staff will review the
application for general conformance with the submission requirements. The evaluation phase
will consist of an in-depth review of the following:
• Compliance with SHIP regulations
• Project risk analysis
• Financial risk analysis
• Capacity and experience
• Project feasibility
• Adherence to SHIP eligibilities/requirements
• Past performance evaluation
i. Additional Information: Once the improvements are completed, the sponsor/landlord shall
ensure all eligible tenants who occupy the units on the subject property, will be income-
qualified during the thirty (30) year loan term.
Individual tenants seeking repairs on their individual rental units may not directly apply for
assistance from this strategy. The SHIP funds used in the rehabilitation rental program may be
leveraged by public and private sources.
H. Rental Acquisition Code 20
a. Summary: The program is designed to acquire rental units within Collier County. The sponsor
must purchase units in Collier County to create rental opportunities for very-low-, low-, -
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income tenants and Special Needs households as defined in 420.0004 (13).
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
c. Income Categories to be served: Very low-income, and low-income
d. Maximum award: $ 1,000,000 per property, as identified by the Collier County Property
Appraiser.
• 1-4 units assisted: 1 special needs, 1 Very Low-income person
• 5-10 units assisted: 2 special needs, 3 very low income and 2 low income
• 11-20 units assisted: 3 special needs, 4 very low, 3 low income
• 21 or more units assisted: 4 special needs, 6 very low income and 5 low income
e. Terms:
1. Repayment loan/deferred loan/grant: Funds will be made available by loans secured by a
subordinate mortgage, promissory note, and land use restriction agreement placed on the
property acquired.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Repayment: Monthly payments are not required.
5. Forgiveness: If all conditions of the loan are met, then the loan is forgiven after 30 years.
6. Default: Repayment of the loan is required in full under the following conditions:
i. Sale: if proceeds are not enough to pay off the promissory note, then the property
owner (non-profit or for-profit) may contact the County regarding a settlement
amount of the SHIP loan.
ii. Title transfer: either voluntarily or by operation of law, divested of title by judicial
sale, levy, or other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance: a refinance of the first mortgage may be approved without repayment if
the request is submitted in writing and the refinance is at a lower fixed rate and/or
term, with no cash-out.
iv. Property will no longer serve the intended target population.
f. Recapture: Eligible Sponsors that offer rental housing for sale before the end of the 30-year
term must give First Right of Refusal to other eligible nonprofit sponsors for purchase per
Section 420.9075(5)(i) Florida Statutes.
g. Tenant Selection Criteria: Tenants will be selected on a first-qualified, first-served basis.
Sponsor will be required to assist the minimum number of special need, low and very low-
income persons in accordance with the table below however, the County reserves the right to
request additional units.
h. Sponsor Selection Criteria: Non-profit/for-profit housing sponsors will be evaluated using
established evaluation and selection criteria.
Page 2657 of 5277
FY 2025-2028
Date: April 22,2025, Agenda Item 16.D
24
CHS staff will evaluate each application submitted. In the initial phase, staff will review the
application for general conformance with the submission requirements. The evaluation phase
will consist of an in-depth review of the following:
• Compliance with SHIP regulations
• Project risk analysis
• Financial risk analysis
• Capacity and experience
• Project feasibility
• Adherence to SHIP eligibilities/requirements
• Past performance evaluation
i. Additional Information: Once the acquisition is completed, the sponsor shall ensure all eligible
tenants who occupy the units on the subject property will be income-qualified on an annual
basis during the thirty-year (30) loan term.
This strategy may be used with Strategy G. Rental Rehabilitation.
I. Rental Development Code 21
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award:
1. $1,000,000 per development with 50 units or less, which includes at least two (2) special
needs units, at least four (4) 50% AMI very low-income units and the remaining units at
120% AMI low-income units.
2. $1,500,000 per development with 50 units or less, which includes at least three (3) Special
Needs units, at least eight (8) 50% AMI very low-income units and the remaining units at
120% AMI low-income units
3. $2,000,000 per development with over 50 units, which includes at least six (6) Special
Needs units, at least ten (10) 50% AMI very-low-income units and the remaining units at
120% AMI low-income units.
e. Terms:
1. Repayment loan/deferred loan/grant:
a. For-profit developers, funds will be awarded as a loan secured by a recorded
subordinate mortgage, promissory note, and land use restriction agreement, against the
a. Summary: Funds will be awarded to developers of affordable rental units for construction,
impact fees, and land acquisition financing through other state or federal housing programs to
construct affordable rental units in incorporated or unincorporated Collier County. This funding
is intended to be used as gap financing required for the project. In cases where a smaller
development (less than 50 units) is being proposed that includes Special Needs units, the County
may choose to provide a larger amount of the overall financing.
Page 2658 of 5277
FY 2025-2028
Date: April 22,2025, Agenda Item 16.D
25
property.
b. Non-profit developers, funds will be awarded as a forgivable loan secured by a recorded
subordinate mortgage, promissory note, and land use restriction agreement, against the
property.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Forgiveness:
i. For for-profit developers, the loan is due and payable at the end of the term unless
the County negotiates an extended loan term to secure affordable rental units in
the best interest of the County’s residents.
ii. For Non-profit developers, one-third of the principal loan balance is forgiven every
ten years through the thirty (30) year term.
5. Repayment: Monthly payments are not required.
6. Default: For all awards, the outstanding balance will be due and payable, and a default will
be determined if any of the following occurs:
i. Sale: if proceeds are not enough to pay off the promissory note then the property
owner (not-for-profit or for-profit) may contact the county regarding a settlement
amount of the SHIP loan.
ii. Title transfer: either voluntary or by operation of law, divested of title by judicial
sale, levy or other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance: a refinance of the first mortgage may be approved without repayment if
the request is submitted in writing and the refinance is at a lower fixed rate and/or
term with no cash-out.
iv. Property will no longer serve the intended target population.
Repaid funds are considered program income, a portion of which may be used for program
administration.
f. Recapture: Eligible Sponsors that offer rental housing for sale before the end of the 30-year
term must give First Right of Refusal to other eligible nonprofit sponsors for purchase per
Section 420.9075(5)(i) Florida Statutes.
g. Tenant Selection Criteria: All applicants for residence in a SHIP-assisted unit must meet the
income qualifications of the program as determined and reported by the developer for the
development and will be served on a first-qualified basis.
h. Sponsor Selection Criteria: Sponsors will apply to the County through an application or
solicitation process. The application/solicitation will require proof of developer experience in
providing affordable rental housing, proof of financial capacity, proof of ability to proceed once
all funding is closed, and an approved housing unit design plan that meets with the County’s
housing element in the Comprehensive Plan.
The County reserves the right to select developments that have met all the above requirements
and:
a. Are in areas of immediate need due to a lack of available units.
b. Propose to preserve and improve existing units.
All funding awards will be subject to closing on other funding sources.
Page 2659 of 5277
FY 2025-2028
Date: April 22,2025, Agenda Item 16.D
26
i. Additional Information: Sponsors will be required to meet compliance reporting requirements
on the development necessary to meet the statutory requirements for monitoring of SHIP rental
units.
J. Community Land Trust Acquisition & Development Code 9,10
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
c. Income Categories to be served: Very low, Low
d. Maximum award: $400,000: $250,000 for the purchase of existing single-family home(s) and
$150,000 for land acquisition
e. Terms - Sponsor Terms:
1. Repayment loan/deferred loan/grant: Funds will be awarded as deferred payment loans
secured by recorded LURA, mortgages, and notes.
a. SHIP funds will be awarded as a deferred loan secured by a recorded mortgage and note
for the acquisition, and other eligible costs related to the acquisition, and improvements
(home), not to include the underlying land, 100% shall be converted to a mortgage and
retained as a permanent subsidy to the benefit of the eligible initial and subsequent
buyer.
b. When applicable, SHIP funds will be awarded as a deferred loan secured by a recorded
mortgage and note for the acquisition of the underlying land, which will not be
converted into a mortgage with the eligible buyer and will be forgiven =to be retained as
permanent subsidy for future buyers. The value of the land for award purposes shall be
determined by the purchase price of the land and the number of units sited/constructed
on the land.
2. Interest Rate: 0%
3. Years in loan term: 18 months
4. Forgiveness: If the loan(s) is in good standing upon the sale of the property to an eligible
homebuyer, the County will release the lien and any restrictive covenant(s) with the
Sponsor/CLT.
5. Repayment: Full payment of the loan is due upon the earlier of:
a. The house is not sold to an eligible buyer prior to the end of the 18 months loan term;
or
b. If the Sponsor/CLT sells or divests title to the land.
6. Default: The loan(s) will be in default if the Sponsor/CLT fails to construct and sell the
a. Summary: Summary: Funds will be awarded to Community Land Trust (CLT) as a cost pay down
reducing the base sales price for or the acquisition of new and existing homes that are sited on
land that is, or will be, owned by a CLT. Assisted homes will be for sale to eligible first-time
homebuyers. Funds may be used for acquisition (including land), soft costs, financing, buydown,
developer fees, and all other eligible acquisition costs.
Page 2660 of 5277
FY 2025-2028
Date: April 22,2025, Agenda Item 16.D
27
assisted unit(s) to an eligible buyer and execute a ground lease within the contractual
timeframe. The County will recapture the subsidy and/or property if the housing has not
been completed within the term of the recorded Mortgage Agreement(s). Full payment of
the loan is due upon the earlier of:
The house is not sold to an eligible buyer prior to the end of the 18-month loan term; or
Full payment is required when the house is sold to an eligible buyer. If the Sponsor/CLT sells
or divests title to the land.
Terms - Recipient
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment loan
secured by a recorded mortgage and note totaling SHIP cost associated with the acquisition,
development, and other eligible costs related to the improvements (home), that is
assumable or originates as new at resale by each subsequent income qualified purchaser
with prior approval by the CLT. The security interest provided shall be solely on the home
and improvements, not the underlying land.
2. Interest Rate: 0%
3. Years in loan term: 30 years Forgiveness: If the loan remains in good standing, assistance
will be forgiven at the end of the loan term but will be retained as a permanent subsidy via
the CLT ground lease which will survive the term of the loan and will address the
requirements for residency, resale price, subsequent buyer’s income eligibility as well as to
assure that units served remain affordable in perpetuity.
4. Repayment: Not required if the loan is in good standing.
5. Default: The loan will be determined to be in default if any of the following occurs:
• Sale, transfer, or conveyance of the property to a buyer that was not pre-
approved or deemed eligible pursuant to the requirements of this strategy by
the CLT.
• However, it shall not be an event of default if the loan is assumed by an income-
eligible homebuyer, if the assumed loan is reflected in the contract for sale, and
if the sale is approved by the CLT to ensure the assisted home remains
affordable in perpetuity.
• Conversion to a rental property.
• Loss of homestead exemption status or failure to occupy the home as primary
residence.
• Unit is refinanced (includes home equity loans or lines of credit) without prior
authorization from the CLT.
• In cases where the qualifying homeowner(s) die(s) during the loan term, the
loan may be assumed by an eligible heir who will occupy the home as a primary
residence as established in the ground lease. If the legal heir does not comply or
qualify, the heir may, within six months of becoming legal owner, sell the unit at
the resale restricted price to an income-eligible buyer who can assume the
mortgage and note, as approved by the CLT. Otherwise, the transfer of
ownership is considered default, and the outstanding balance will be due and
payable.
If any of these occur, the outstanding balance will be due and payable unless otherwise
noted.
Page 2661 of 5277
FY 2025-2028
Date: April 22,2025, Agenda Item 16.D
28
If a superior mortgage holder accelerates the loan or forecloses upon the home, the County
will attempt to obtain repayment of funds via the legal process if the County determines
that adequate funds may be available to justify pursuing repayment.
f. Recipient Selection Criteria:
1. Applicants will be ranked for assistance based first on priorities established in part “I” of the
first section of this plan and then on a first-qualified, first-served basis.
2. CLT homebuyers must complete a homebuyer education class that contains a community
land trust component and/or session with the CLT in addition to a homebuyer education
class that requires CLT buyers to demonstrate and attest to a clear understanding of the
terms of community land trust homeownership.
3. First mortgage lender approval, if applicable.
g. Sponsor Selection Criteria: Applications from potential sponsors/CLTs will be reviewed on an
ongoing basis. The criteria to select sponsors may include, but is not limited to, the following:
1. Community land trusts that meet the definition of a “community land trust” under section
193.018 of the Florida Statutes. Preference will be given to CLTs who have been certified or
are in the process of certification by the Florida Community Land Trust Institute.
2. Quantity and quality of experience in affordable housing development;
3. Experience in developing and/or stewarding CLT homes for permanent affordability;
4. Financial strength of the sponsor, including the ability to leverage funds from other sources;
5. Ability of the sponsor to complete the project by deadlines established by the City/County;
and
6. Capacity of the sponsor; and
7. Contract for sale/conveyance or site control.
h. Additional Information:
Subsidy for the acquisition, development, construction and rehabilitation of units, new or
existing, will be awarded at the maximum amount to reduce the base price dollar-for-dollar for
initial and subsequent homebuyers via the CLTs stewardship of the ground lease.
This type of assistance may first require that the CLT take ownership of the property (land &
existing improvements) and sell the improvements and enter into a ground lease with the
eligible buyer.
Please see Exhibit K for additional instructions and information for CLT purchases.
Section III. LHAP Incentive Strategies
In addition to the required Incentive Strategy A and Strategy B, include all adopted incentives
with the policies and procedures used for implementation as provided in Section 420.9076, F.S.:
A. Expedited Permitting
Permits as defined in s. 163.3177 (6) (f) (3) for affordable housing projects are expedited to a
greater degree than other projects.
Page 2662 of 5277
FY 2025-2028
Date: April 22,2025, Agenda Item 16.D
29
Provide a description of the procedures used to implement this strategy: The Collier County
Board of County Commissioners approved an AHAC recommended Incentive Strategy to
expedite the development review process for qualified affordable workforce housing. Expedited
Permitting, or Fast Track, was amended via Resolution 2018-40.
Initially, a qualification meeting is held with the developer/agent and Community and Human
Services (CHS) staff to determine if the project meets the affordable housing requirements
outlined in Res. 18-40. Those projects that demonstrate compliance are issued a certificate of
affordable housing to allow the expedited review process for all aspects of the development.
Planning and Zoning staff will provide expedited status by assisting these developments first
throughout the process from application through Certificate of Occupancy.
B. Ongoing Review Process
An ongoing process for review of local policies, ordinances, regulations, and plan provisions that
increase the cost of housing prior to their adoption.
Provide a description of the procedures used to implement this strategy: Collier County requires
all items that have the potential to increase the cost of housing to be prepared and presented to
the Collier County Board of County Commissioners with the amount of the increase or decrease
identified in the executive summary. The executive summary must be prepared in official
County format and include a description of the Growth Management Impact and the Fiscal
Impact.
The process, by which items are prepared for the BCC Agenda includes a vast approval hierarchy
to ensure that all proposed actions impacting affordable housing are reviewed on an ongoing
basis. Furthermore, the Collier County Affordable Housing Advisory Committee (AHAC) regularly
forms subcommittees to review impediments to affordable housing, as well as new affordable
housing incentives.
C. Other Incentive Strategies Adopted:
1. Increased Density for Affordable Housing – Collier County allows developers to request
increased density when including a certain percentage of affordable housing in the
proposed development.
An Affordable Housing Density Bonus Agreement must be submitted and approved by the
Collier County Board of County Commissioners as provided for in the Collier County Land
Development Code, § 2.06.00. Improvements to the Affordable Housing Density Bonus
(AHDB) program were approved via Ordinance 2019-02.
2. Inventory of Locally Owned Public Lands Suitable for Affordable Housing.
Collier County prepares an inventory of all real property owned by Collier County that may
be appropriate for use as affordable housing in accordance with Sec. 125.379 F.S. every
three years.
The Collier County Board of County Commissioners approved an AHAC recommended
Incentive Strategy to permit properties identified as appropriate for use as affordable
housing to be offered for sale and the proceeds used to purchase land for the development
of affordable housing, or to increase the local government fund (Housing Trust Fund)
Page 2663 of 5277
FY 2025-2028
Date: April 22,2025, Agenda Item 16.D
30
earmarked for affordable housing, or may be sold with a restriction that requires the
development of the property as permanent affordable housing, or may be donated to a
nonprofit housing organization for the construction of permanent affordable housing.
IV. EXHIBITS:
A. Administrative Budget for each fiscal year covered in the Plan
B. Timeline for Estimated Encumbrance and Expenditure
C. Housing Delivery Goals Chart (HDGC) For Each Fiscal Year Covered in the plan
D. Signed LHAP Certification
E. Signed, dated, witnessed, or attested adopting resolution
F. Ordinance: (If changed from the original creating ordinance)
G. Interlocal Agreement
H. Short Sale Policy & Short Sale Application
I. Essential Personnel Certification
J. Subordination Policy & Subordination Request Form
K. CLT Acquisition & Development instructions and Information
Page 2664 of 5277
Collier County SHIP Budget
Estimated SHIP Funds for Fiscal Year:3,026,866.00$
Salaries and Benefits 254,256.74$
Office Supplies and Equipment 4,540.30$
Travel Per diem Workshops, etc.7,567.17$
Advertising 3,026.87$
Other 33,295.53$
Total 302,686.60$
Admin %10%
Project FUNDS 2,724,179.40$
Estimated SHIP Funds for Fiscal Year:3,178,209.00$
Salaries and Benefits 266,969.56$
Office Supplies and Equipment 4,767.31$
Travel Per diem Workshops, etc.7,945.52$
Advertising 3,178.21$
Other 34,960.30$
Total 317,820.90$
Admin %10%
Project FUNDS 2,860,388.10$
Estimated SHIP Funds for Fiscal Year:3,337,119.00$
Salaries and Benefits 280,318.00$
Office Supplies and Equipment 5,005.68$
Travel Per diem Workshops, etc.8,342.80$
Advertising 3,337.12$
Other 36,708.31$
Total 333,711.90$
Admin %10%
Project FUNDS 3,003,407.10$
Fiscal Year 2025 - 2026
Fiscal Year 2026 - 2027
Fiscal Year 2027 - 2028
EXHIBIT A
Page 2665 of 5277
FY 2025-2028
EXHIBIT B
Timeline for SHIP Expenditures
Collier County Board of County Commissioners
______________________________________ affirms that funds allocated for these fiscal years will
(local government)
meet the following deadlines:
Fiscal Year Encumbered Expended Closeout
Report
2025-2026 6/30/2027 6/30/2028 9/15/2028
2026-2027 6/30/2028 6/30/2029 9/15/2029
2027-2028 6/30/2029 6/30/2030 9/15/2030
If funds allocated for these fiscal years is not anticipated to meet expenditure deadlines, Florida Housing
Finance Corporation should be notified according to the following dates:
Fiscal Year Funds Not
Expended
Closeout AR
Not
Submitted
2025-2026 3/30/2028 6/15/2028
2026-2027 3/30/2029 6/15/2029
2027-2028 3/30/2030 6/15/2030
Requests for Expenditure Extensions (close-out year ONLY) must be emailed to
robert.dearduff@floridahousing.org and include:
1.A statement that “(city/county) requests an extension to the expenditure deadline for fiscal
year _____________________.
2.The amount of funds that is not expended.
3.The amount of funds that is not encumbered or has been recaptured.
4.A detailed plan/timeline of how/when the money will be expended.
Note: an extension to the expenditure deadline (June 30) does not relieve the requirement to submit
(September 15) the annual report online detailing all funds that have been expended.
Other Key Deadlines:
AHAC reports are now due annually by December 31. Local governments receiving the minimum (or less)
allocation may choose not to report.
ACFR financial statements are due each June 30 for the report ending September 30 of the previous year.
Page 2666 of 5277
Strategies
Homeownership
2 Purchase Assistance Yes 1 $100,000 2 $80,000 1 $70,000 $330,000.00 $0.00 $330,000.00 4
3 Owner-Occupied Rehabilitation Yes 3 $75,000 2 $75,000 1 $69,000 $444,000.00 $0.00 $444,000.00 6
6 Emergency Housing Repair & Housing Resilience Yes 1 $100,000 1 $100,000 0 $0 $200,000.00 $0.00 $200,000.00 2
4 Demolition & Replacement of Manufactured Housing Yes 1 $200,000 1 $200,000 0 $0 $400,000.00 $0.00 $400,000.00 2
5 & 16 Disaster Assistance Yes 2 $30,000 2 $30,000 1 $30,000 $150,000.00 $0.00 $150,000.00 5
10 New Construction Assistance Yes 3 $100,000 9 $100,000 0 $100,000 $1,200,000.00 $0.00 $1,200,000.00 12
9,10 Community Land Trust Acquisition & Development No 0 $400,000 0 $400,000 0 $400,000 $0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
Total Homeownership 11 17 3 $2,724,000.00 $0.00 $2,724,000.00 31
New $ 748,837 Existing $ 748,837
14 Rental Rehabilitation Yes 0 $300,000 0 $300,000 0 $300,000 $0.00 $0.00 $0.00 0
20 Rental Acquisition No 0 $1,000,000 0 $1,000,000 0 $1,000,000 $0.00 $0.00 $0.00 0
21 Rental Development Yes 0 $1,000,000 0 $1,000,000 0 $1,000,000 $0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
Total Rental 0 0 0 $0.00 $0.00 $0.00 0
Administration Fees Yes
Home Ownership Counseling No
Total All Funds
$ 985,000 32.5%
$ 1,570,000 51.9%
$ 169,000 5.6%
UnitsCodeQualifies for
75% set-aside VLI Units New Construction Without
Construction TotalMax. SHIP
Award LI Units Max. SHIP
Award
Mod
Units
Max. SHIP
Award
LHAP Exhibit C
FLORIDA HOUSING FINANCE CORPORATION
HOUSING DELIVERY GOALS CHART
2025-2026
Estimated Funds (Anticipated allocation only): $3,026,866
Name of Local Government:
OK OK
Purchase Price Limits:
Code Rental Qualifies for
75% set-aside VLI Units
$-
LI Units Max. SHIP
Award
Mod
Units
Max. SHIP
Award
Max. SHIP
Award Units
$302,687 10%OK
New Construction Without
Construction Total
$3,026,687
Set-Asides
Percentage Construction/Rehab (75% requirement)90.0%OK
OK
Homeownership % (65% requirement)90.0%OK
Rental Restriction (25%)0.0%OK
Very-Low Income (30% requirement)OK
Low Income (30% requirement)OK
Moderate Income
Page 2667 of 5277
Strategies
Homeownership
2 Purchase Assistance Yes 1 $100,000 2 $80,000 1 $70,000 $330,000.00 $0.00 $330,000.00 4
3 Owner-Occupied Rehabilitation Yes 3 $75,000 2 $75,000 1 $75,000 $450,000.00 $0.00 $450,000.00 6
6 Emergency Housing Repair & Housing Resilience Yes 1 $30,000 0 $100,000 0 $0 $30,000.00 $0.00 $30,000.00 1
4 Demolition & Replacement of Manufactured Housing Yes 0 $200,000 0 $200,000 0 $0 $0.00 $0.00 $0.00 0
5 & 16 Disaster Assistance Yes 2 $30,000 2 $30,000 1 $30,000 $150,000.00 $0.00 $150,000.00 5
10 New Construction Assistance Yes 3 $100,000 9 $100,000 0 $100,000 $1,200,000.00 $0.00 $1,200,000.00 12
9,10 Community Land Trust Acquisition & Development No 0 $400,000 0 $400,000 0 $400,000 $0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
Total Homeownership 10 15 3 $2,160,000.00 $0.00 $2,160,000.00 28
New $ 748,837 Existing $ 748,837
14 Rental Rehabilitation Yes 0 $300,000 0 $300,000 0 $300,000 $0.00 $0.00 $0.00 0
20 Rental Acquisition No 0 $1,000,000 0 $1,000,000 0 $1,000,000 $0.00 $0.00 $0.00 0
21 Rental Development Yes 1 $700,000 0 $1,000,000 0 $1,000,000 $700,000.00 $0.00 $700,000.00 1
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
Total Rental 1 0 0 $700,000.00 $0.00 $700,000.00 1
Administration Fees Yes
Home Ownership Counseling No
Total All Funds
$ 1,415,000 44.5%
$ 1,270,000 40.0%
$ 175,000 5.5%
UnitsCodeQualifies for
75% set-aside VLI Units New Construction Without
Construction TotalMax. SHIP
Award LI Units Max. SHIP
Award
Mod
Units
Max. SHIP
Award
LHAP Exhibit C
FLORIDA HOUSING FINANCE CORPORATION
HOUSING DELIVERY GOALS CHART
2026-2027
Estimated Funds (Anticipated allocation only): $3,178,209
Name of Local Government:
OK OK
Purchase Price Limits:
Code Rental Qualifies for
75% set-aside VLI Units
$-
LI Units Max. SHIP
Award
Mod
Units
Max. SHIP
Award
Max. SHIP
Award Units
$317,821 10%OK
New Construction Without
Construction Total
$3,177,821
Set-Asides
Percentage Construction/Rehab (75% requirement)90.0%OK
OK
Homeownership % (65% requirement)68.0%OK
Rental Restriction (25%)22.0%OK
Very-Low Income (30% requirement)OK
Low Income (30% requirement)OK
Moderate Income
Page 2668 of 5277
Strategies
Homeownership
2 Purchase Assistance Yes 2 $100,000 1 $80,000 1 $70,000 $350,000.00 $0.00 $350,000.00 4
3 Owner-Occupied Rehabilitation Yes 3 $75,000 2 $75,000 1 $75,000 $450,000.00 $0.00 $450,000.00 6
6 Emergency Housing Repair & Housing Resilience Yes 1 $13,000 1 $100,000 0 $0 $113,000.00 $0.00 $113,000.00 2
4 Demolition & Replacement of Manufactured Housing Yes 0 $200,000 1 $200,000 0 $0 $200,000.00 $0.00 $200,000.00 1
5 & 16 Disaster Assistance Yes 0 $30,000 2 $30,000 1 $30,000 $90,000.00 $0.00 $90,000.00 3
10 New Construction Assistance Yes 3 $100,000 9 $100,000 0 $100,000 $1,200,000.00 $0.00 $1,200,000.00 12
9,10 Community Land Trust Acquisition & Development No 0 $400,000 0 $400,000 0 $400,000 $0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
Total Homeownership 9 16 3 $2,403,000.00 $0.00 $2,403,000.00 28
New $ 748,837 Existing $ 748,837
14 Rental Rehabilitation Yes 1 $300,000 1 $300,000 0 $300,000 $600,000.00 $0.00 $600,000.00 2
20 Rental Acquisition No 0 $1,000,000 0 $1,000,000 0 $1,000,000 $0.00 $0.00 $0.00 0
21 Rental Development Yes 0 $1,000,000 0 $1,000,000 0 $1,000,000 $0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
Total Rental 1 1 0 $600,000.00 $0.00 $600,000.00 2
Administration Fees Yes
Home Ownership Counseling No
Total All Funds
$ 1,038,000 31.1%
$ 1,490,000 44.6%
$ 175,000 5.2%
UnitsCodeQualifies for
75% set-aside VLI Units New Construction Without
Construction TotalMax. SHIP
Award LI Units Max. SHIP
Award
Mod
Units
Max. SHIP
Award
LHAP Exhibit C
FLORIDA HOUSING FINANCE CORPORATION
HOUSING DELIVERY GOALS CHART
2027-2028
Estimated Funds (Anticipated allocation only): $3,337,119
\
OK OK
Purchase Price Limits:
Code Rental Qualifies for
75% set-aside VLI Units
Set-Asides
Percentage Construction/Rehab (75% requirement)90.0%OK
Moderate Income
Homeownership % (65% requirement)72.0%OK
Rental Restriction (25%)18.0%OK
Very-Low Income (30% requirement)OK
Low Income (30% requirement)OK
Units
$333,712 10%
$3,336,712
OK
$-
LI Units Max. SHIP
Award
Mod
Units
Max. SHIP
Award New Construction Without
Construction
Max. SHIP
Award
OK
Total
Page 2669 of 5277
FY 2025-2028
Exhibit D
CERTIFICATION TO
FLORIDA HOUSING FINANCE CORPORATION
Local Government or Interlocal Entity: I COLLIER COUNTY/CITY OF NAPLES Certifies that:
(1)The availability of SHIP funds will be advertised pursuant to program requirements in 420.907-420.9079, Florida Statutes.
(2)All SHIP funds will be expended in a manner which will ensure that there will be nodiscrimination on the basis of race, color, national origin, sex, handicap, familial status, or religion.
(3)A process to determine eligibility and for selection of recipients for funds has been developed.
( 4)Recipients of funds will be required to contractually commit to program guidelines and loanterms.
(5)Florida Housing will be notified promptly if the local government /interlocal entity will be
unable to comply with any provision of the local housing assistance plan (LHAP).
(6) The LHAP provides a plan for the encumbrance of funds within twelve months of the end of theState fiscal year in which they are received and a plan for the expenditure of SHIP funds including allocation, program income and recaptured funds within 24 months following the end of the State fiscal year in which they are received.
(7) The LHAP conforms to the Local Government Comprehensive Plan, or that an amendment tothe Local Government Comprehensive Plan will be initiated at the next available opportunity to insure conformance with the LHAP.
(8) Amendments to the approved LHAP shall be provided to the Florida Housing for review and/orapproval within 21 days after adoption.
(9)The trust fund exists with a qualified depository for all SHIP funds as well as program income orrecaptured funds.
(10)Amounts on deposit in the local housing assistance trust fund shall be invested as permitted bylaw.
( 11)The local housing assistance trust fund shall be separately stated as a special revenue fund inthe local governments audited financial statements (ACFR). An electronic copy of the ACFR or a
hyper link shall be provided to Florida Housing by June 30 of the applicable year.
(12)Evidence of compliance with the Florida Single Audit Act, as referenced in Section 215.97,F.S. shall be provided to Florida Housing by June 30 of the applicable year.
l
CAO
Page 2670 of 5277
FY 2025-2028
( 13)SHIP funds will not be pledged for debt service on bonds.
( 14)Developers receiving assistance from both SHIP and the Low-Income Housing Tax
Credit (LIHTC) Program shall comply with the income, affordability and other LIHTC
requirements, similarly, any units receiving assistance from other federal programs shall comply
with all Federal and SHIP program requirements.
(15)Loans shall be provided for periods not exceeding 30 years, except for deferred payment
loans or loans that extend beyond 30 years which continue to serve eligible persons.
(16)Rental Units constructed or rehabilitated with SHIP funds shall be monitored for compliance
with tenant income requirements and affordability requirements or as required in Section 420.9075
(3 )( e ). To the extent another governmental entity provides periodic monitoring and determination, a
municipality, county or local housing financing authority may rely on such monitoring and
determination of tenant eligibility.
( 17)The LHAP meets the requirements of Section 420.907-9079 FS, and Rule Chapter 67-37 FAC.
( 18)The provisions of Chapter 83-220, Laws of Florida have not been implemented ( except for
Miami-Dade County).ATTEST: CRYSTAL K. KINZEL, CLERK AS TO COUNTY: BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA , Deputy Clerk By: ______________ _ BURT L. SAUNDERS, CHAIRMAN
Date: Date: --------------------------(SE AL)
Approved as to form and
legal m i C :
Collier
2
CAO
Page 2671 of 5277
EXHIBIT E
Page 2672 of 5277
Page 2673 of 5277
11 U 11 11
ORDINANCE NO. 2013 - 27
By
AN ORDINANCE OF THE BOARD OF COUNTY COMMISSIONERS
OF COLLIER COUNTY, FLORIDA, ESTABLISHING THE COLLIER
COUNTY SHIP LOCAL HOUSING ASSISTANCE PROGRAM
ORDINANCE; PROVIDING FOR TITLE AND CITATION; PROVIDING
FOR DEFINITIONS; PROVIDING FOR ESTABLISHMENT OF THE
LOCAL HOUSING ASSISTANCE PROGRAM; PROVIDING FOR
ESTABLISHMENT OF A LOCAL HOUSING ASSISTANCE TRUST
FUND; PROVIDING FOR DESIGNATION OF RESPONSIBILITY FOR
IMPLEMENTATION; PROVIDING FOR ESTABLISHMENT OF AN
AFFORDABLE HOUSING ADVISORY COMMITTEE; PROVIDING
FOR REPEAL OF ORDINANCE NO. 93-19, AS AMENDED;
PROVIDING FOR THE REPEAL OF ORDINANCE NO. 91-65, AS
AMENDED; PROVIDING FOR INCLUSION IN THE CODE OF LAWS
AND ORDINANCES; PROVIDING FOR CONFLICT AND
SEVERABILITY; AND PROVIDING FOR AN EFFECTIVE DATE.
WHEREAS, in 1992, the Legislature of the State of Florida approved ttacrEwski
r ,
Affordable Housing Act creating the State Housing Initiatives Partnership ("SHIP"r";gri foM
the specific purpose of supporting and expanding the availability of affordable housr`resr rceo---
within the State; and v ffi" 1
r°-
WHEREAS, the Collier County Board of County Commissioners (Bo.:.4 a4pted
Ordinance No. 93-19 on April 13, 1993, creating a local housing assistance mist`
establishing a local housing assistance program, designating responsibility for the program, and
creating an Affordable Housing Advisory Committee; and
WHEREAS, on July 23, 1991, the Board of County Commissioners adopted Ordinance
No. 91-65, establishing the Collier County Affordable Housing Commission (now known as the
Affordable Housing Advisory Committee), which Ordinance was subsequently amended by
Ordinance Nos. 04-77, 05-69, 08-17, and 09- 50; and
WHEREAS, the Board has determined that it is in the best interest of the County to
repeal Ordinance No. 93-19, as amended, and Ordinance No. 91-65, as amended, in order to
adopt a single consolidated Ordinance to comply with the requirements set forth in Florida
Statutes, Sections 420.907- 420.9070 and Chapter 67-37, Florida Administrative Code.
2013 Collier County SHIP Local Housing Assistance Program Ordinance
EXHIBIT F
Page 2674 of 5277
NOW, THEREFORE, BE IT ORDAINED BY THE BOARD OF COUNTY
COMMISSIONERS OF COLLIER COUNTY, FLORIDA, that:
SECTION ONE: Title and Citation.
This Ordinance shall be known and cited as the "Collier County SHIP Local Housing
Assistance Program Ordinance".
SECTION TWO: Definitions.
For the purposes of this Ordinance, the definitions contained in Florida Statutes, Chapter
420.9071 and Rule 67-37.002, Florida Administrative Code, as they may be amended or replaced
from time to time, are adopted herein by reference.
SECTION THREE: Establishment of the Local Housing Assistance Program.
The Local Housing Assistance Program is hereby created and established to implement
the requirements of Florida Statutes, Section 420.907 and Rule 67-37, Florida Administrative
Code, adopted herein by reference, as they may be amended or replaced from time to time.
The County shall implement the program within the unincorporated boundaries of Collier
County and may enter into an interlocal agreement with municipalities. The strategies of the
program will be set forth in the County's SHIP local housing assistance plan.
SECTION FOUR:Establishment of a Local Housing Assistance Trust Fund.
Pursuant to the requirements Section 420.907 Florida Statutes, the County hereby
reaffirms establishment of a Local Housing Assistance Trust Fund within the official and fiscal
accounting office of the County as originally established on April 13, 1993, by Ordinance No.
93-19. The County's local housing assistance trust fund shall be separately stated as a special
revenue fund in the county's audited financial statements. Copies of such audited financial
statements shall be forwarded to the Florida Housing Finance Agency.
All moneys received from the state pursuant to the State Housing Initiative Partnership
SHIP] Program and any other funds received or budgeted to provide funding for the Local
Housing Assistance Program shall be deposited into the Collier County Local Housing
Assistance Trust Fund.
2013 Collier County SHIP Local Housing Assistance Program Ordinance
Page 2675 of 5277
SECTION FIVE:Designation of responsibility for implementation.
The Director of the County's Department of Housing, Human and Veterans Services shall
be primarily responsible for implementation and administration of the local housing assistance
program.
SECTION SIX:Establishment of an Affordable Housing Advisory Committee.
The Affordable Housing Advisory Committee is created and established in accordance
with Florida Statutes, Section 420.9076 and County Ordinance No. 01-55, Standards for The
Creation and Review of Boards. In the event of a conflict, the provisions of Florida Statutes,
Section 420.9076 shall apply.
Duties of the advisory committee are provided in Florida Statutes, Section
420.9076(2)(a) - (k) adopted herein by reference, as they may be amended or replaced from time
to time.
Appointments to the Affordable Housing Advisory Committee will be made in
accordance with the membership requirements of Florida Statutes, Section 420.9076, including
joint appointments to prepare a joint plan when a participating municipality enters into an
interlocal agreement to administer its program.
The committee shall consist of eleven (11) members as required by Florida Statutes
420.9076 (2)(a)-(k), appointed by Resolution of the Board of County Commissioners no later
than March 2, prior to the year the Local Housing Assistance Plan is due. The term of service
shall be for three (3) years or at the discretion of the Board. Terms may be extended for one
additional three (3) year term.
Six (6) members shall constitute a quorum sufficient to permit the committee to take any
formal action. However, if formal action is not taken, the committee may meet to hear
presentations with less than a quorum in attendance, if the meeting is duly noticed.
A majority of concurring votes of the entire membership of the committee shall be
necessary for a decision or recommendation by the committee.
The committee may elect a chairperson or presiding officer.
The committee members serving immediately prior to this Ordinance's adoption shall
fulfill the remainder of their appointed terms.
2013 Collier County SHIP Local Housing Assistance Program Ordinance
Page 2676 of 5277
The committee shall meet at least triennially and submit a report to the local governing
body that includes recommendations on, and triennially thereafter evaluates the implementation
of, affordable housing incentives as required by Florida Statutes, Section 420.9076(4)(a) - (k).
The Board of County Commissioners may sunset or suspend meetings of the committee
upon submission of the triennial Incentive Report and reconvene no later than March 2 of the
year the Incentive Report is due. The committee will be cooperatively staffed by Housing,
Human and Veterans Services Department and Planning and Zoning Department staff in
accordance with Florida Statutes, Section 420.9076(9).
SECTION SEVEN: Repeal of Ordinance No. 93-19, as amended.
Ordinance No. 93-19, pertaining to the Collier County Housing Initiatives Partnership
Program, and all amendments thereto, is hereby repealed in its entirety.
SECTION EIGHT: Repeal of Ordinance No. 91-65, as amended.
Ordinance No. 91-65, pertaining to the Affordable Housing Committee, and all
amendments thereto, is hereby repealed in its entirety.
SECTION NINE: Inclusion in the Code of Laws and Ordinances.
The provisions of this Ordinance shall become and be made a part of the Code of
Ordinances of Collier County, Florida. The sections of this Ordinance may be renumbered or
re-lettered to accomplish such, and that the word "ordinance" may be changed to "section,"
article," or other appropriate word or phrase necessary to accomplish such intentions.
SECTION TEN: Conflict and Severability.
In the event this Ordinance conflicts with any other Ordinance of Collier County or
other applicable law, deemed a separate, distinct and independent provision and such holding
shall not affect the validity of the remaining portion.
SECTION ELEVEN:Effective date.
This Ordinance shall become effective thirty (30) days after its adoption by the Board
of County Commissioners.
2013 Collier County SHIP Local Housing Assistance Program Ordinance
Page 2677 of 5277
PASSED AND DULY ADOPTED by the Board of County Commissioners of Collier
County, Florida, this n day of apAL. , 2013.
ATTEST:. BOARD OF COUNTY COMMISSIONERS
DWIGH' p4RPCK, CLERK COL ' CO QTY, FLORIDA
exttgAk Aw144 0 L • By
a,, puty Clerk eorgia A. Hiller, Esq.
Y,
Chairwoman
Appt'oved' s (Armm
and legal sufficiency:
Je fer B. White
Assistant County Attorney 1,-,\.fr-) \\3)
This ordinance filed with the
Mof S ate ff a the
day of_
and acknowledgem • at
tiro. eived soy
o' 0,40
By Ilk'
oz.
2013 Collier County SHIP Local Housing Assistance Program Ordinance
Page 2678 of 5277
STATE OF FLORIDA)
COUNTY OF COLLIER)
I , DWIGHT E. BROCK, Clerk of Courts in and for the
Twentieth Judicial Circuit, Collier County, Florida, do
hereby certify that the foregoing is a true and correct
copy of :
ORDINANCE 2013-27
which was adopted by the Board of County Commissioners
on the 9th day of April, 2013, during Regular Session.
WITNESS my hand and the official seal of the Board of
County Commissioners of Collier County, Florida, this 15th
day of April , 2013 .
DWIGHT E. BROCK
Clerk of Courts- and' Clerk .
Ex-officio to Boak;i of., ;
County Commissi6rier'9-
OWItt
By: Ann nejohn,
Deputy Clerk
Page 2679 of 5277
Page 2680 of 5277
Page 2681 of 5277
Page 2682 of 5277
Page 2683 of 5277
EXHIBIT H
Collier County
Community and Human Services Division
State Housing Initiatives Partnership Program
SHORT SALE POLICY
Requests for short sale must be approved in advance and in writing by Collier County Community and Human Services
Division. The following minimum criteria shall apply:
1. The recipient, as seller of the property, shall not receive any funds from the Short Sale transaction.
2. To facilitate a Short Sale, Collier County shall forgive 70 percent (70%) of the assistance provided based upon the
following table.
PROPOSED SHORT SALE
SETTLEMENT AMOUNT
30% of SHIP Second
Mortgage face value amount
3. The Collier County Short Sale amount cannot conflict with the primary mortgage lender Short Sale Agreement.
• If the primary lender rejects the SHIP Proposed Short Sale Settlement amount, at the discretion of the
CHS Director or his/her designated representative, the settlement amount may be reduced as appropriate
to help facilitate the sale of the property to avoid the possibility of foreclosure.
In order to determine if a recipient may qualify for Short Sale, the Division will require the following information:
1. Short Sale Request Form from owner or authorized agent.
2. Evidence of the first mortgage lender’s approval for Short Sale.
3. Copy of signed sales contract or buyer offer sheet.
Following initial review, the Division will advise in writing if the recipient has been pre-approved for Short Sale.
However, the following documents will be required prior to closing of the Short Sale and issuance of final approval:
1. Final unsigned Closing Disclosure as prepared for settlement (signed copy to be obtained immediately after
settlement); and
2. Final first mortgage lender Short Sale approval; and
3. Final signed sales contract; and
4. Name, phone number and email address of closing agent.
Please allow 20 business days for processing from the date the request is submitted to our office. If approved, the
Division will forward the Short Sale Agreement and/or payoff letter to the title company. If we are unable to approve
the request, a denial letter will be issued.
Page 2684 of 5277
EXHIBIT H
EMAIL THE SHORT SALE REQUEST FORM ALONG WITH SUPPORTING DOCUMENTS TO:
CollierCountySHIP@colliercountyfl.gov
Collier County
Community and Human Services Division
State Housing Initiatives Partnership Program
SHORT SALE APPLICATION
Recipient(s) name: _________________________________________________________
Property address: _________________________________________________________
_________________________________________________________
First Mortgage Information
First Mortgage Lender: _________________________________________________________
Principal Balance: _________________________________________________________
Approved Short Sale Amount: _________________________________________________________
Net Proceeds to Recipient: _________________________________________________________
SHIP Second Mortgage Information
SHIP Mortgage Amount: _________________________________________________________
SHIP File Number: _________________________________________________________
Date Recorded: _________________________________________________________
Required Repayment Amount: _________________________________________________________
Amount Paid by Lender: _________________________________________________________
Amount Paid by Other: _________________________________________________________
Net Proceeds to Recipient: _________________________________________________________
OFFICE USE ONLY
PRE-APPROVED
DENIED
____________________________ __________
CHS Director Date
Page 2685 of 5277
1
EXHIBIT I
ESSENTIAL PERSONNEL CERTIFICATION
Collier County Purchase Assistance Program recipients must have evidence of employment status
in a specific field before they may be approved for additional funding in the program. Please
certify which category the below-named person’s employment falls under.
Employee Name:
Position Title:
I certify that to the best of my knowledge the above-named applicant is a;
Teacher and Educators, other school district, community college, university employees
Government Employees
Healthcare Personnel and Government Employees
Health care personnel (HCP) are persons who have special education on health care and who are directly related
to provision of health care services. HCP includes all paid and unpaid persons working in health-care settings.
Physicians, nurses, nursing assistants, therapists, technicians, emergency medical service personnel, dental
personnel, pharmacists, laboratory personnel, autopsy personnel who are employed with health-care facility
will fall under HCP category.
Teacher and Educators, other school district, community college, university employees
A teacher or educator, employed by a county/city school district, private or public college/university or
technical school/institute.
Skilled Building Trade Personnel
Common skilled trade careers include machinist, tool designer, fabricator, production technician, carpenter,
mason, plumber, pipefitter, steamfitter, electrician, painter, HVAC and roofer.
Police, Emergency and Fire Personnel
An employee of a local law enforcement agency who is an officer sworn to carry out law enforcement duties.
Examples of this class are sheriffs, deputy sheriffs, chiefs of police, city police officers, and sworn personnel
of law enforcement subunits of port and transit authorities. This class includes campus police officers employed
by of local city and community college districts. Private campus police are excluded.
A firefighter or fire personnel who are extensively trained in firefighting. In addition those individuals also
trained in Emergency Medical Services (EMS) and operate ambulances who may or may not in addition to
being a firefighter.
Page 2686 of 5277
2
Government Employees
An employee of Federal, State or Local Government is responsible for protecting the public’s health and safety
during emergencies. As such, all regular full and part-time employees are considered essential personnel and
are expected to participate as assigned during and/or after a declared emergency and/or activation event, which
will fall into one of the following categories: Department/Division Protective Measures, Shelter Operations,
Emergency Support Function/Emergency Operations Center, Phone Bank/Hotline, Damage Assessment,
Other: (Childcare, Volunteer Coordinator, Point of Distribution Assistant, etc. to be initiated by Emergency
Management or their Division Director)
Employer Name:
Representative Name:
Signature:
Page 2687 of 5277
EXHIBIT J
Revised 03/2019
Collier County
Community and Human Services Department
SUBORDINATION POLICY
Requests for subordination must be approved in advance by the Community and Human Services
Division (“Division”). We may consider subordinating our loan if the following factors are present:
If the proposed transaction is a rate and term refinance (less than $500.00 to the borrower at
closing), the new interest rate must be at least one percent less than the current interest rate; or
any combination of Interest Rate reduction plus Mortgage Insurance reduction that would be
the equivalent of a one percent interest rate reduction; and
The new principal and interest payment is lower than the current total payment(s) as evidenced
by the Loan Application or Loan Estimate; or if the new monthly payment is increased due to a
reduction to the term of the loan, the Division will determine if the new payment is reasonable
and beneficial to the client; and
The proposed transaction may include the current first mortgage plus other purchase-related
grants and/or financing (i.e., USDA Subsidy, etc.) OR
Cash out transaction are allowed, provided the Combined Loan-To-Value (CLTV) ratio of
mortgages plus County liens does not exceed 80% of the current appraised value for the subject
property. In this instance, the one percent reduction in interest rate may be waived if the
transaction is beneficial to the client as determined by the Division; and
Closing costs are reasonable as determined by the Division; and
The proposed transaction does not include a prepayment penalty.
Property being refinanced must be the borrower’s principal residence.
The following documents must be submitted to our office to process a subordination request:
1. Subordination Request form (attached).
2. Signed and executed Loan Estimate or equivalent; and
3. Signed and executed mortgage/loan application; and
4.Preliminary Closing Disclosure or equivalent; and
5.Copy of title commitment
6. Copy of Appraisal (if applicable)
Please allow 20 business days for processing from the date the request is submitted to our office. If
approved, the Division will notify the lender and title company to prepare the Subordination
Agreement. If we are unable to approve the request, a payoff letter will be issued.
EMAIL THE SUBORDINATION REQUEST FORM ALONG WITH THE DOCUMENTS 2-6 TO:
For additional questions contact:
Lisa Carr, Supervisor-Grants
Phone: 239-252-2509
Email: Lisa.Carr@colliercountyfl.gov or
CollierCountySHIP@colliercountyfl.gov
Page 2688 of 5277
Subordination Request Form
To be completed by the Financial Institution processing refinance on behalf of clients listed below
Borrower (s) name: ______________________________________________________________
Borrower (s) address: ______________________________________________________________
Financial Institution: ________________________________________________________________________
Address: __________________________________________________________________________________
Email: _______________________________________________Phone: _______________________________
Current Mortgage Information
Principal Balance: ______________________ Interest Rate: ___________________
Monthly Payment (PITI): _______________________ Loan Term: ___________________
New Mortgage Information
Loan Amount: _____________________ Interest Rate: _____________________
Monthly Payment (PITI): _____________________ Loan Term: _____________________
Closing Agent/Title Company Information
Name: ____________________________________________ Contact Person: _________________________
Phone: _____________________ Email Address: _____________________________________
I certify that the above information is correct. I certify that there will be no cash out to the borrower,
and no other unsecured debt will be paid off (i.e., credit cards, automobile loans, etc.). I understand
that the subordination document prepared by Collier County will be invalid if that is the case.
_________________________________ _________________________________ ____________
Lender/Broker Signature Lender/ Broker Name Printed Date
__________________________________ ________________________________
Email address Phone
Page 2689 of 5277
EXHIBIT K
Additional Instructions and Information for Assistance for Community Land Trust Homes
To qualify, homes must be acquired/developed by a city/county-approved community land trust (CLT) that
meets the definition of a “community land trust” under section 193.018 of the Florida Statutes. The CLT
will execute a 99-year ground lease with the homebuyer. A memorandum of that ground lease is recorded
in the public records immediately following the deed. The terms of the ground lease restrict the resale of
the property to an income-eligible household and provide a right of repurchase to the CLT in the event of
default. The CLT must approve the subsequent homebuyer. In the event of a default, the CLT must notify
the City/County whether it intends to exercise its right of repurchase. In the event the CLT is not willing or
able to exercise its right of repurchase, it shall transfer its right of repurchase to City/County, giving
City/County the right, but not the obligation, to purchase the property.
Development assistance shall be treated as a cost pay-down to further reduce the sales price to the
homebuyer. The assistance amount on a CLT home shall be separated from the Base Price and Formula
Price as defined in the ground lease. The balance of the assistance must be included in the Purchase Option
Price as defined in the ground lease to repay the funds to the City/County in the event of default. At the end
of the loan term, the loan will be forgiven, and the lien released. However, the CLT ground lease will remain
in effect and the subsidy as well as the requirements for residency, resale price, and subsequent buyer’s
income eligibility will continue. The CLT may request satisfaction of a loan and release of the lien during
the term of the loan on behalf of a homeowner or seller, and under certain defined circumstances, with
approval granted by the City/County on a case-by-case basis.
When selling a CLT home, the seller must notify the CLT. The CLT will then enter into a purchase and
sale agreement with the seller, that will get assigned to the subsequent homebuyer who will execute an
[Assumption Agreement or new loan with identical terms and/or ground lease]. The Purchase Option Price
for the CLT will be calculated as follows:
Purchase Option Price = Formula Price + Payoff Amount of Deferred Payment Loans
Until the recipient loan is forgiven, the Formula Price is calculated using a Base Price calculated by
subtracting the amount of SHIP assistance from the purchase price. The assistance on the improvements
is included to lower purchase price. For example:
Purchase Price: $335,000
MINUS Assistance Provided as buy down (maximum): $100,000
EQUALS Base Price (sales price) for first buyer: $235,000
The base price is the amount the buyer would need to finance (plus transaction costs) and is used to
calculate the Formula Price in the ground lease.
Suppose the Formula (re-sale) Price in the ground lease is calculated by a 1% annual increase to the
Base Price, compounded. Suppose the home is sold after 5 years. To calculate the Purchase Option
Price (price that will go in the purchase and sale agreement between the CLT and the seller), first
calculate the Formula Price:
Formula Price = Base Price x Compound Rate
Calculated as follows:
Page 2690 of 5277
Year 1 = $235,000 x 1.01 = $237,350
Year 2 = $237,350 x 1.01 = $239,723.50
Year 3 = $239,723.50 x 1.01 = $242,120.74
Year 4 = $242,120.74 x 1.01 = $244,541.95
Year 5 = $244,541.95 x 1.01 = $246,987.37
Formula Price = $246,987
Purchase Option Price = $246,987 + $100,000 = $346,987
The price to the subsequent buyer equals the Purchase Option price minus any down payment assistance
(development assistance already included in the lower initial purchase price):
Purchase Option Price: $346,987.37
DPA assumed: -$100,000
Sales price for subsequent buyer: $246,987.37 (New Base Price for Formula Price)
The new price should be affordable to the subsequent buyer without additional subsidy.
At the end of the loan term, the value of the Purchase Option Price will be equal to the Formula Price;
however, funds will remain as a direct subsidy of the unit via the CLT and its administration of a ground
lease.
Page 2691 of 5277